There is no handling fee. According to the official display of the Postal Savings Bank, the risk level of the monthly wealth management products of the Postal Savings Bank is low-risk wealth management products in PR2, and the income type of this product belongs to non-guaranteed floating income wealth management products, so the monthly wealth management of the Postal Savings Bank is not absolutely safe, and there will still be certain risks. On the one hand, the income of wealth management products is not fixed; On the other hand, wealth management products are non-guaranteed, which means that wealth management products may lose their principal. However, because the wealth management product belongs to medium and low risk, even if there is risk, the risk level is not very high. In addition, the wealth management products launched by the Postal Savings Bank are endorsed by the Postal Savings Bank. Therefore, the security of postal monthly financial management is still higher than that of some ordinary financial products.

1. In fact, in general, such wealth management products face many types of risks, such as policy risk, market risk, liquidity risk, credit risk, management risk, interest rate risk, exchange rate risk, redemption delay risk and operational risk. These risk factors may directly lead to the loss of investors. In short, when managing money, you should be good at diversifying risks, and avoid putting eggs in one basket, so as not to cause great losses to personal assets.

Second, the word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal finance (658) can be roughly divided into personal assets and personal liabilities, and * * * belongs to personal assets like funds, stocks, bonds, deposits, life insurance and gold. Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

3. Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.

1. Bank Financing The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.

2. Financial management of securities companies generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.

3. Insurance financial management Insurance financial management tends to be long-term, focusing on solving education planning and pension planning after a long time, while solving accidents, medical care and other security issues.

4. Investment company financial management Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. It requires high initial capital and is suitable for high-end financial people.

5. E-commerce financing 2 1 century, in addition to online branch financing, financial search engines on the Internet can also be used to search for financial products, make multiple comparisons of risks and benefits, and then make investments.