For financial management platforms like JD Finance, generally speaking, the greater the investment risk, the higher the return. In other words, risk and return are directly proportional. Moreover, capital pursues investment targets with high profits. If you said you suffered miserable losses, you probably invested in medium or high-risk financial products. Financial management products are divided into three categories: low, medium and high. Monetary funds are low-risk, with annual interest rates of around 3 to 4 percent, medium-risk products, such as bonds, with annual interest rates of 4 to 6 percent, and high-risk products. The investment direction of risky financial management is stocks, equity, futures, etc., with an annual interest rate of more than 10%. The returns on these high-risk financial products fluctuate with the stock market and futures market, and the risks are high. When investing in financial products, you need to pay attention to the terms, determine the type of product, and choose based on your financial capabilities and psychological expectations.