Calculated according to the annualized rate of 4%, the daily interest is 5000 * 4/365/100 = 0.54452055 yuan, which is 0.547945 * 30 =16.4389. Because some months have 22 trading days, it's 0.5479894 If you buy high-risk products, the income will be 10%, earning 500 yuan; If you lose 10%, you lose 500 yuan. Therefore, before investing, you should do a good job in risk assessment and understand your risk tolerance, and then consider whether you need to invest in such wealth management products. For reference only.

Theoretically, stocks have more profit space than funds, and the effect of making money is more obvious. Moreover, stocks can also obtain additional income through subscription of new shares, because in the current A-share market, it is basically certain to make money after subscription of new shares.

But the fact is that investors who buy funds have higher annualized returns than investors who buy stocks, because the stock market fluctuates more. In the short term, there are more speculators who buy low and sell high in intraday trading.