If you learn how to manage money, you can actually make more money with your own money. Under such circumstances, the income from financial management is also very good. People who can manage money often live better than those who can't. In the process of financial management, people may choose to buy treasury bonds, stocks and other related financial bonds. Some of these bonds have high returns but high risks, while others have low returns but low risks. Under such circumstances, there are active investors and conservative investors. Most people will consider themselves conservative. If they want to be a conservative investor, they don't need to make much money. As long as you earn a little and there is not much risk, it will be fine. It seems more appropriate for them to buy bond funds.

Buying a bond fund seems to be a good choice. After all, the risk of this bond fund is relatively small, but if you use all your assets to buy this large bond, there are still some risks. Compared with this bond fund, the risk of national debt is actually smaller. If you are really a conservative investor, it is even more recommended to buy more government bonds. If you want a higher return, you only buy a lot of bond funds, which is not very conservative.

In fact, wealth management products have certain risks. If you want low risk, your income will definitely be low, which means that your income is directly proportional to your risk. The higher the income, the higher the risk and the lower the income. Generally buying bond funds, many netizens think that the risk is relatively small. Actually, it's true. However, there are still some bond funds as wealth management products, and their risks are not small, but such high-risk bond funds are also relatively few at present. As a conservative investor, it is reasonable to buy bond funds with most of your property. You can also invest a small part of the remaining assets in stocks or other wealth management products. Bond funds have two kinds of risks. One is interest rate risk, which means that its market valuation is decreasing and your income is decreasing. In the end, you may lose money. Another risk is credit risk, that is, you may make money, but in the end, the seller can't cash it for you, and you can't get this profit, which also has certain risks.

It's really important to learn how to manage money. If you make more money with your own money, you will get more income. If you are interested, you can actually pay more attention to some financial knowledge.