In wealth management products, cash is generally a product with low risk, low income and good liquidity. Perhaps the most famous is Yu 'ebao, but now banks have also launched cash management wealth management products, which are ready to use and have higher income than Yu 'ebao. Fixed income products generally refer to bond funds in funds, and low-risk wealth management products issued by banks belong to this category. Equity products are investments with high risks and possible losses, such as stock funds and index funds. This kind of investment has high risks and high returns. Commodity investment generally refers to international futures investment, such as gold, crude oil and agricultural products futures investment. This kind of investment is extremely risky, and non-professionals had better not touch it.

I. Classification of financial management:

1. Cash category: the financial risk of cash management is low, and the income obtained by investors is relatively small;

2. Fixed-income products: In financial management, fixed income mainly refers to investing in some deposits and government bonds, with low investment risk.

3. Equity category: equity investment and wealth management mainly refers to investing in shares of listed companies and unlisted companies, which is risky;

4. Commodities: The financial management of commodities and financial derivatives mainly refers to the investment in futures and options, and the risks are also high.

5. Hybrid: Hybrid financial management is more suitable for people with moderate risk tolerance.

Two, financial management refers to the management and investment of funds, to achieve the purpose of financial preservation and appreciation. Financial management can be divided into many types, including enterprise financial management, institutional financial management and personal financial management. In real economic life, for individuals, financial management is a lifelong activity, not just to solve current problems. However, it should be noted that there are certain risks in financial management. Due to various uncertainties in the future, it will have a certain impact on investors' funds. Therefore, investors need to carefully choose the products and methods of investment and financial management.

Supplement: Financial management is risky, and investment needs to be cautious.