Fixed income financial products refer to financial products with fixed income. Generally speaking, due to the introduction of new asset management regulations, banks rarely have fixed-income wealth management products. At present, there may be only securities companies and insurance companies, as well as some fixed-income wealth management products.

For example, a product contract states that the annualized fixed rate of return of the product is 3.5%. If investors buy 6,543.8+10,000 yuan, the annual income is: 654.38+ 10,000 × 3.5% = 3,500 yuan.

When investors choose fixed-income wealth management products, they should mainly choose the right products according to their own needs and their own risk tolerance.

If the investor's funds are temporarily idle, it is suitable to choose financial products with low risk and short term; Investors with low risk tolerance are suitable to choose low-risk financial products; If investors' funds are idle for a long time, and investors have certain risk tolerance, they can invest in products with higher risks and higher yields.