People over the age of 40 only know how to go to the bank to buy wealth management, but they don't know that most wealth management contracts do not guarantee the principal and interest. The following recommended products are guaranteed capital and interest.

1 Capital preservation fund: Capital preservation fund is a very popular financial income of capital preservation. Instead of always breaking the capital, it breaks the capital after a certain period of time expires, and often performs well after the expiration, with annualized income 10%. Capital preservation funds are backed by large fund companies and are favored by many large funds.

2 Graded Class A: Graded funds are a kind of China funds, which are welcomed by everyone because they can split funds into products with guaranteed capital and interest and high leverage, especially those involving arbitrage. Grade A can guarantee the principal interest, and those who are interested can study it.

3 major P2P companies: A large P2P company, such as lufax, has a credit comparable to that of the government and is backed by a strong insurance company, so the rate of return is naturally more objective.