You can buy a fund in the bank, and the fund is also a kind of financial management. In fact, banks are just consignment platforms. The fund you bought in the bank APP belongs to the OTC fund. The specific way to make money is to make money through the rise of funds, and you will make money when funds rise. If the funds fall, you will lose money. If the risk tolerance is low, it is recommended to buy a money fund. This kind of fund basically won't lose money, and its income is relatively stable.
Secondly, there are bank deposits and wealth management products. There are fixed-term products and wealth management products. These are time-limited. After you deposit your money in the bank, the bank may lend it to the enterprise to make money from it. Banks usually have an interest rate table or wealth management products, which will indicate the annual interest rate. Generally, the higher the principal, the longer the deposit time, so the more money you earn.
Then some people may doubt whether the bank can make money by buying its wealth management products. It doesn't have to be like this. It depends on what wealth management products you buy and how the market is. For example, buying a bank's equity fund or hybrid fund can make money, but it may also lose money.
For example, if it is a time deposit or a large deposit certificate, a money fund, etc. This kind of income is generally stable, basically it won't lose money, and basically you can make money if you buy it. It is unlikely to hold the loss-making principal for a long time, but remember that any wealth management product is risky, just because the degree of risk is different does not mean that you can make money 100%.