The so-called fixed-income products refer to wealth management products with a fixed rate of return, but fixed-income products do not fully guarantee the principal and income, and can only obtain certain expected income without accidents. So what are the fixed income products?

1. Bank deposits: mainly including demand deposits, time deposits, large deposit certificates and interbank deposit certificates. It has the characteristics of high fluidity and safety.

2. Creditor's rights: It can be divided into national debt, local debt, financial debt, short-term financing bonds, corporate bonds, targeted instruments, etc. Creditor's rights are relatively liquid, but the investment threshold is relatively high.

3. Fixed income funds: mainly refer to money market funds and creditor's rights funds. These funds have the characteristics of risk diversification and professional investment, and the threshold is low.

The above is an introduction to the types of fixed income products. Compared with other wealth management products, the risk of fixed income products is much smaller, but it does not mean that there is no risk. We should follow the principle of rational allocation of assets when investing.