1, different risks: fixed-income products have low risks and stable returns. Products with floating income are risky, especially if it is difficult for investors to judge the risk. The floating income of capital preservation is suitable for investors with middle income and strong risk tolerance. Non-guaranteed floating income is suitable for stable financial investors with more assets and stronger risk tolerance. Fixed-income wealth management products have stable income and are suitable for people with weak risk tolerance. And all kinds of people who are inconvenient to invest in wealth management products or high-risk investments.

2. Different restrictions: As far as floating income products are concerned, Sunshine Private Equity Fund has high liquidity as long as it starts from RMB 6,543,800+0,000, and the lock-up period is half a year or one year; Industrial funds or PE private investment has a high threshold, the investment period is 5 to 7 years, and there are about 10 investment projects. When any project is withdrawn, the proceeds will be distributed directly to investors.

3. Different requirements: among the fixed-income products, the varieties suitable for high-net-worth investors are mainly trusts and asset management, such as bank wealth management investment trusts, social security fund investment trusts, insurance company investment trusts, and listed company liquidity investment trusts.

Because not all fixed income products are guaranteed income, most fixed income products are not guaranteed income. The expected rate of return of products only means the highest rate of return that investors can get under the condition that the basic assets invested by products are recovered normally. Once the invested assets are lost, investors' principal and income may be damaged.

Phoenix Net-The current hot floating income products will be the trend of the trust market.