there is no handling fee. According to the official display of the Postal Bank, the risk level of the monthly postal wealth management products is low-risk wealth management products in PR2, and the income type of this product belongs to non-guaranteed floating income wealth management products, so the monthly postal wealth management is not absolutely safe, and there will still be certain risks. On the one hand, the income of the wealth management product is not fixed; On the other hand, the wealth management product is non-guaranteed, which means that the wealth management product may lose its principal. However, because the wealth management product belongs to medium and low risk, the risk level is not very high even if there is risk. In addition, the wealth management products launched by the Postal Savings Bank are endorsed by the Postal Bank. Therefore, the security of postal monthly financial management is still higher than that of some ordinary financial products.
1. In fact, under normal circumstances, there are many types of risks faced by such wealth management products, such as policy risk, market risk, liquidity risk, credit risk, management risk, interest rate risk, exchange rate risk, redemption delay risk, operational risk, etc. These risk factors may directly lead to investors' losses. In short, when managing money, we should be good at diversifying risks, and avoid putting eggs in one basket, so as not to cause great losses to personal assets.
second, the word "financial management" first appeared in newspapers in the early 199s. With the expansion of China's stock and bond market, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management (658) can be roughly divided into personal assets and personal liabilities, and * * * belongs to personal assets like funds, stocks, bonds, deposits, life insurance and gold. Personal housing mortgage loan and personal consumption credit are personal liabilities.
third, domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
1. bank financing the financial products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.
3. Insurance financing Insurance financing tends to be long-term, focusing on solving the education planning and pension planning after a long time, and at the same time solving the security problems such as accidents and medical care.
4. Investment company wealth management Investment company wealth management generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party wealth management, etc., which requires high initial capital and is suitable for high-end wealth management personnel.
5. In the 21st century, e-commerce financial management can not only manage financial affairs in offline outlets, but also make use of financial search engines on the Internet to search for financial products for multiple comparisons of risks and benefits before investing.