In the case of economic crisis, it is not suitable to buy funds for financial management, and the income is poor, and even negative income may appear. There is a simple reason. When the economy is depressed, the popularity of the stock market will be low, the market will be poor, and the profits of enterprises will be poor. Investors will flee the stock market one after another, and the stock market is prone to bear market. Funds generally buy a lot of wealth management products, so they will also be affected.

The economic crisis means that the economic system has not produced enough consumption value. That is the crisis of overcapacity. Some scholars divide economic crisis into passive crisis and active crisis. The so-called passive economic crisis refers to the situation that the national macroeconomic management authorities have a serious economic recession or a sharp devaluation of the currency without preparation, which leads to a financial crisis and then evolves into an economic crisis. If the nature of the crisis is negative, it is hard to think that the currency will rebound after the crisis, and the process of the crisis is actually a process of re-finding and confirming the value of the domestic currency. Active crisis refers to the result of policy actions taken by macroeconomic management authorities to achieve a certain goal. The crisis is completely expected by the management, and the crisis or economic recession can be regarded as the opportunity cost of reform.