because the expected rate of return of net asset wealth management products is uncertain, it is expressed in the form of net assets. The fluctuation of product net value represents the fluctuation of product expected income. For example, if the net value of the day rises, it means that the product is profitable, while if the net value of the day falls, it means that the product is at a loss. Take fund products as an example. If the net value of the day is lower than the net value of the previous working day, it means that the fund is losing money on that day. It should be noted that a day's net value decline is not equal to investment loss, and the final expected return on investment is determined by the net value of products at the time of purchase and the net value of products at the time of sale. For example, when an investor invests 1, yuan to buy a net worth product, its net worth is 1. During the holding period, the net value keeps declining, but the net value of the product eventually rises gradually. Finally, the net value of the products sold by investors is 1.1, so investors are also profitable.

1. Since the Bank of China launched the "Huang Jinbao" business specifically for individual investors in Shanghai, gold speculation has been a hot spot in the personal finance market, which has attracted investors' attention and recognition. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of domestic gold investment field, the growth potential of gold demand in the future is huge.

2. Especially after 24, the pricing method of domestic gold jewelry will gradually change from the combination of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management. A new type of gold investment is also welcomed by the majority of small and medium-sized investors, that is, fixed investment in gold.

3. Since the successful issuance of the first batch of closed-end funds in 1997, funds have been highly praised by domestic individual investors. In 212, funds have obviously surpassed deposits and become the top priority among many investment and financial management. According to relevant information, the net value of domestic funds in 213 was nearly 2 billion yuan, accounting for more than 1% of the circulation level of A-share stocks. Many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and less risk, and hope to obtain ideal income through the investment of the fund.