1. You don't have this ability, and there are still some phased and liquidity requirements for such assets you invest in. Giving money to fixed income+products can actually get 4%-8% income with more peace of mind.

2. The original intention of fixed income+products is to provide you with a relatively stable return. I hope that in this process, everyone can control the chasing up and down and realize a relatively happy holding experience.

3. Many investors, especially those with stock investment experience, may think that the expected return of stocks will be higher. But in fact, there are very few people who have achieved very high and double-digit returns in the long-term market, whether they are investors with long-term investment experience or fund managers who have invested in stock funds for a long time.

That means either you need to change the concept of investing in equity assets, for example, you insist on long-term investment, but only if you choose a good track or choose a particularly excellent fund manager, which requires you to have long-term determination.

1. "Fixed income" is the abbreviation of "fixed income". As the name implies, it refers to a product with a clearly agreed rate of return or a relatively determined probability and level of expected positive returns in the future. The final investment of fixed-income investment products-the so-called "basic assets"-can be divided into two categories: various standard bonds and "non-standard assets" traded in the securities market. Non-standard assets refer to all kinds of creditor's rights except standard bonds, among which trust loans and securitization assets are the most common. Trust loan refers to the trust company as an intermediary to collect investors' funds and distribute them to enterprises or projects that need loans. Asset-backed securities are simply that banks take out loans that have been issued as collateral and borrow money from investors.

Two, the typical fixed income investment products, including time deposits, treasury bonds and other bonds, can obtain interest regularly in accordance with the agreement, to recover the principal at maturity. On this basis, many other fixed-income investment products came into being, the common ones are:

(1) Special "bonds". Mainly some financial instruments that ordinary investors can't contact, such as the open market of the central bank and the interbank market, mainly some monetary instruments, bills, bonds and so on are traded by financial institutions such as the central bank and banks. In essence, they are all bonds, only specific financial institutions participate in transactions, and ordinary investors can only invest indirectly through channels such as money funds and wealth management products.

(2) Bank wealth management products, including wealth management products issued by bank wealth management subsidiaries. It mainly invests in bonds, bills and non-standard assets traded in the money market and the securities market, and also has wealth management products specializing in the primary stock market, commodities and derivatives markets.

(3) Trust plans for fixed income funds and cash pools. In essence, it is no different from bank wealth management products. Due to regulatory restrictions and historical development, fixed-income funds mainly invest in standardized bonds such as money markets, bills and government bonds, while fund pool trust plans mostly invest in "non-standard assets".

(4) Financial insurance. Dividend insurance policyholders can share the operating results of insurance companies. Although the operation and investment contents of insurance companies are very complicated, they are usually large in scale and scattered in investment. The investment in risky assets must comply with strict regulations, and the income and capital preservation are even better than bond funds and wealth management products. If a conservative strategy is adopted, investment-linked insurance can also be regarded as a fixed-income product.