Financial management does not guarantee the principal. At present, there is no financial management that guarantees income, and financial management may lose money. The loss of principal needs to be borne by investors themselves. Generally speaking, the risk of wealth management products is relatively small. At present, only time deposits are guaranteed. If investors can't take risks, they can choose time deposits to invest.

Wealth management products are divided into five risk levels according to the investment target, and the risk from small to large is R 1-R5. The greater the risk level, the greater the probability of losing the principal. Investors with low risk tolerance can choose financial products with risk level R2 or below, while investors with high risk tolerance can choose financial products with risk level R3 or above.

Financial management methods:

You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.

The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.

The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

Financial management level:

The first layer is to handle and use money effectively and reasonably, so as to make the best use of everything and meet the needs of daily life to the greatest extent.

The second level is to invest the extra money to produce the best financial return, which is the level of Qian Shengqian.

The third level is to plan life from the financial point of view, make use of the existing economic and financial conditions, maximize the value of their human resources, and prepare for future development.

Account, experience the basic steps of simulating foreign exchange speculation, you will learn it slowly, and finally you will know more about financial management.