Wealth management products have exceeded the risk type and time tested. Generally speaking, the interest rate of wealth management is related to the length of time. The longer the time, the higher the profit, and the shorter the profit.

then investors' own risk levels are divided into five levels: C1 (cautious), C2 (steady), C3 (balanced), C4 (aggressive) and C5 (aggressive).

Before buying a product for the first time, you need to make a test questionnaire, which questionnaire is used to test which risk type you belong to. If the test result is C1 (cautious type), you can only buy R1 (cautious type) products, but you can't buy other products with higher wind direction.

if the test result is C2 (cautious type), you can buy products of R1 (cautious type) and R2 (robust type), if you insist on buying products of R3 (balanced type), R4 (aggressive type) and R5 (radical type). Then you must make sure that you know the risks of the product before you can buy it. That is to say, the product should match the risk type of investors, and the mechanism of "the seller is responsible and the buyer is responsible".

Extended information:

"financial management" is often used with "investment financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only to invest the finance, but also to be invested is a kind of financial management. If you don't know how to be invested, you won't know how to manage your finances better. 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. Securities financing generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.

3. Insurance financing. Insurance financing tends to be long-term, focusing on solving the education planning and pension planning after a long time, and solving the security problems such as accidents and medical care.

4. Financial management of investment companies. Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financial management, etc., which requires high initial capital and is suitable for high-end financial managers.

5, e-commerce financial management. In the 21st century, in addition to online financial management at outlets, financial search engines on the Internet can also be used to search for financial management products for multi-party comparison of risks and benefits before investing.

Baidu encyclopedia-financial management