Low-risk financial products are not an absolute concept, but can generally be understood as financial products with acceptable risks and stable expected returns. Low-risk risk often means low expected income, and low risk does not mean stable income, so even if you invest in low-risk wealth management products, you need to master certain investment skills. What are the precautions for choosing low-risk wealth management products?

1, diversifying investment risks

Low-risk wealth management products have a wide range of choices, such as bank deposit certificates, government bonds, central bank bills, money funds, bond funds, and reverse repurchase of government bonds. All of them are suitable for investors with stable risk appetite.

It is recommended not to invest all the funds in the same product or platform. Investors can invest their investment funds in a number of different types of products in proportion, and can also make long-term and short-term combinations according to the different investment periods of each product, which can not only ensure the expected return on investment, improve the liquidity of funds, but also share the investment risks.

2. Capital preservation is the key to investment.

For ordinary investors, capital preservation is the most important, followed by profit. Although the risk of investment products such as bond funds is low, they will also be affected by factors such as market interest rate and operating period. When the market fluctuates greatly, there is still the risk of principal loss, and investors need to stop loss in time.

3. Master the investment skills of different products.

Take the reverse repurchase of national debt as an example. Although the overall expected return is not high, it can also win higher expected return at some special time points. For example, at the end of the month, the end of the season, the end of the year and other periods of money shortage, the expected return of reverse repurchase of government bonds is usually higher than usual. For another example, in addition to off-site purchases, money funds can also buy on-site. If handled properly, the expected return of buying money funds on the spot is even higher than the reverse repurchase of government bonds.

The above contents about matters needing attention in the selection of low-risk financial products, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.