Net worth wealth management products are similar to open-end funds, and are open-end wealth management products with non-guaranteed floating income. This kind of wealth management products have no expected income and investment period, and the issuer does not promise fixed income. Wealth management income can only be displayed by net value. Net worth can directly reflect the profit and loss of wealth management products. For example, the net value of wealth management products is 1, and tomorrow is 1. 1, so the income is 0. 1. If the net value is 0.9 tomorrow, it will be a loss of 0. 1.

Net worth wealth management products have the following characteristics:

1. investment period: general income-based wealth management products have a clear investment period, which can only be redeemed when it expires. If it is redeemed in advance, the handling fee will be deducted, which is not cost-effective. However, there is no fixed investment period for net worth wealth management products, and users can apply for redemption at any time, so the flexibility of wealth management products is relatively high.

2. Income: Income-based wealth management products have fixed income, and investors can clearly know how much income they can get, but net-worth wealth management products have no expected income, and issuers do not promise income. The daily income fluctuates according to the increase or decrease of the net value, and the income will change every day.

3. Risk: Income-based wealth management products have expected income or floating income. For example, money funds are familiar with "extremely high returns" and "seven-day annualized returns", while net-worth wealth management products belong to non-guaranteed floating wealth management products, and the investment risk is relatively large, but the profit and loss can be seen every day, and the investment risk is very transparent.

Generally speaking, net worth financial management is a financial product with no expected income and no fixed investment period. The principal and income of net worth products will fluctuate with the actual investment operation, and losses may occur.