with the sustained development of social economy, the disposable funds of urban and rural residents are increasing, people's awareness of financial management is getting stronger and stronger, and financial products in the financial market are dazzling. Investors are at a loss in the choice of wealth management products. Not only eager to enjoy the asset appreciation brought by financial management, but also entangled with the uneasiness brought by financial management risks. It is particularly important for investors to choose financial products that suit their own values and principles of life. A good choice can not only ensure a high-quality living standard, but also preserve and increase the value of idle funds. A wrong choice will not only affect the normal quality of life, but also suffer great asset losses. In fact, when ordinary people buy wealth management products, they can focus on the three elements of wealth management products: "profitability, liquidity and risk". To put it simply, you should rank the three elements according to your actual situation and choose the first two elements you expect to invest. The first is the profitability of wealth management products. All investors who buy wealth management products are interested in profitability. Calculation method of rate of return: income of wealth management products = principal × annualized rate of return × investment period ÷365 days. When calculating the income, dividing the annualized income by 365 days and multiplying it by the actual investment days is not directly multiplying your investment quota by the annualized rate of return. There are two special points to be explained about the financial yield: 1. The expected rate of return is not the actual rate of return, because the income of financial products is uncertain, so the expected rate of return cannot be the actual rate of return. Under normal circumstances, the actual rate of return will fluctuate around the expected rate of return. 2. The annualized rate of return of short-term products is not the rate of return within the actual period. Wealth management products have subscription period, liquidation period and so on. The principal during this period is calculated without interest or only with current interest. Second, investors focus on the second factor is "risk". Any wealth management product is "risky". It's just that different wealth management products have different risks. Among the bank wealth management products, Public Offering of Fund's money fund has the lowest risk, followed by bonds and funds, and P2P, stocks and futures have higher risks. Remind investors to pay special attention to the fact that the higher the return, the greater the risk, and the lower the return, the smaller the risk. This is the investment law. The third factor that investors focus on is the "liquidity" of wealth management products. Liquidity "is the liquidity and speed of wealth management products." Under the same conditions, the higher the liquidity, the lower the rate of return. Therefore, whether the funds used to buy wealth management products can affect the next use of funds is a question that every investor should consider clearly. We must not affect the normal capital demand for financial management, thus reducing the quality of life. The ideal situation is: good liquidity, low risk and high income. However, there are few such wealth management products. A wealth management product can only gain two advantages in liquidity, risk and profitability at most, which requires investors to think twice before buying wealth management products.