Fixed income wealth management products refer to wealth management products with fixed expected rate of return. The main purpose of fixed-income wealth management products is to avoid the risk of interest rate fluctuation, increase the means to control economic instability and risk, and meet the needs of risk-averse investors. Refers to the wealth management products with fixed expected income. There are many kinds of fixed-income wealth management products, including but not limited to bank time deposits, agreement deposits, government bonds, financial bonds, corporate bonds, convertible bonds, bank wealth management, bonds, money fund products, and central bank bills. These assets are all due to repay the principal and interest, and the interest rate is relatively fixed within a certain period of time, which is also the origin of the name of this kind of wealth management products.