Most of the bank's wealth management is trustworthy, because most of the wealth management products launched by banks have low risks and low returns. Any wealth management product has risks, and the specific risks depend on the wealth management product. In terms of security, the principal-guaranteed wealth management products in the bank's self-operated products are relatively safe, and most wealth management products with principal guarantee clauses can guarantee that the principal will not be lost. Although it is safer for banks to launch self-financing products, the principle is that the higher the interest rate, the greater the risk, and the smaller the interest rate, the smaller the risk.

Most of the wealth management products sold by banks are products and derivatives of financial institutions such as funds, securities, trusts, insurance, secondary markets, etc. The benefits and risks of these wealth management products are different. From the perspective of safety and reliability, the risk of wealth management products issued by banks is relatively low. Generally, the risk level of wealth management products from R 1 to R3 can guarantee that the principal will not be lost, but as long as the investment is risky, the bank will tell you any potential risks responsibly. One thing must be clear, whether it is bank consignment or self-financing products, it will be written in the risk disclosure book, and the risks will be borne by the investors themselves.

Compared with wealth management products, bank deposit products are safer. According to the provisions of the Deposit Insurance Law, individual ordinary deposits enjoy deposit insurance protection, that is, users can enjoy 100% of the principal and interest within 500,000 ordinary deposits in a single bank, so as long as they are ordinary bank deposit products, their safety is guaranteed. However, the income from bank deposits is low, so investors are advised to choose according to their actual situation.

When we decide on financial management, we must first make clear our current financial management goals: financial management goals can be roughly divided into three types: saving money (saving money to buy a commodity), preserving value (in order not to let our money depreciate because of inflation), and increasing value (that is, making money with money). Saving money is the primary financial goal. It doesn't matter whether the money in the bank increases or decreases. As long as you save enough money, you can buy things. Preserving value is more technical, you need to consider where your money is invested, and financial management is more energy-consuming; It is even more difficult to add value. In fact, the essence of maintaining and increasing value is the same. You need to put your experience into the analysis of financial products such as stocks, markets and futures, or buy some value-added goods. This also requires you to have a certain economic mind and spend some experience. Consider your own economic strength and energy that can be used for financial management, and then decide your own financial management goals.