It is possible to lose money by buying wealth management products, but it mainly depends on what kind of wealth management products you buy. For example, if you choose high-risk wealth management products such as stocks and futures, you may get high returns, but the possibility of principal loss is quite large.
If you don't want to lose the principal, you can choose some low-risk financial products, such as money funds, which are less risky. Although there are certain risks, the probability of loss is still relatively small. There is also the bank's capital preservation wealth management products, which will not lose money.
Everyone should remember that investment is risky, so when managing money, you must choose financial products according to your risk tolerance, and don't blindly pursue high returns. And it is best not to invest all your money in one project to reduce the losses caused by risks.
Matters needing attention in purchasing wealth management products
1. In the process of investment and financial management, funds need to be allocated. Don't put your eggs in one basket, so as to avoid uncontrollable risks, which will lead to slow cashing or inability to cash out, resulting in greater losses.
2. At present, there are many kinds of investments in the market, such as bank time deposits, real estate investments, stocks, futures, foreign exchange, fixed fund investments, bonds, etc. Among them, bank deposits, fixed investment and bonds are less risky and less profitable. Real estate investment generally occupies a relatively high amount of funds, and the process of realizing it is relatively slow. At present, the overheated sentiment of real estate investment in China has been controlled.
Stocks, futures, foreign exchange, etc. All of them are risky investments, which can make considerable gains and may also cause considerable losses, so it is necessary to have a deep understanding of the products.
3. In the process of financial management, some funds need to be used as working capital and some funds as fixed assets, such as real estate, shops and factories. Excess funds can be used as venture capital, stocks are firm investments 1: 1, and foreign exchange and futures are leveraged fund-raising transactions, which can be small and wide.
4. Risk trading can be divided into independent trading and handing it over to funds, and private equity companies take care of it.
5. Independent trading requires a certain understanding of investment products and has its own operating style and trading system.
6. Wealth management companies need to understand trading products, trading strategies, positions, entry and liquidation strategies, and need to check the short-term trading history of traders.