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.
Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.
The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.
In addition to a wide variety of wealth management products, the contract design of wealth management products is as complicated as a book, and the obscure product description also makes investors "confused". Many people sign contracts based on their trust in financial institutions and the pursuit of high returns, and finally wake up from their dreams when their investments are damaged. However, such behaviors as "being misled by the bank account manager", "reporting only income but not risk" and "describing wealth management products as deposits" have become the focus of complaints about financial disputes.
Alternative wealth management products are mostly non-guaranteed floating income products, and the gimmick is greater than the essence. The price trend of products linked to it is unique and fluctuates greatly. For example, the investment market of art, alcohol and Pu 'er tea has experienced ups and downs, so the risk will be much greater. Ordinary investors with low risk tolerance had better not get their hands on it easily.
"Lump sum deposit and withdrawal" refers to the monthly fixed deposit, which generally starts in 5 yuan and has a term of one year, three years and five years. The deposit amount is determined by the depositor, and it is deposited once a month, and the principal and interest are withdrawn at maturity. The interest-bearing method is consistent with the interest-bearing method for lump-sum savings deposits. If there is any leakage in the middle, it should be made up in the next month. If not, the interest shall be calculated according to the actual deposit amount and actual deposit period at the time of withdrawal and the current interest rate announced by the People's Bank of China on the date of withdrawal.
It can be said that lump-sum deposit and withdrawal is a way of compulsory deposit, and the same amount is fixed every month. People who want to be "moonlight clan" can form the good habit of "saving money" in this way.