Different people have different investment and financial planning, some people pay attention to the expected return of investment and financial management, and some people pay attention to the safety of investment and financial management. Different people have different risk preferences and different risk tolerance. So what are the low-risk wealth management products? Can you make money by buying low-risk wealth management products? For this problem, we have prepared relevant knowledge for reference.

1. What are the low-risk financial products?

In China's investment and financial management market, there are relatively many investment and financial management methods and products, which can adapt to different people's investment preferences. The market segmentation of wealth management products is deeper, and wealth management products are targeted, personalized and diversified.

bank deposit

Bank deposit is our most common and safest way to manage money, so the risk is very low. Bank deposits can be divided into demand deposits, time deposits, large deposit certificates and structured deposits according to their different deposit needs.

Among them, there are many deposit forms of time deposit and certificate of deposit. For example, time deposit can be divided into lump sum deposit and withdrawal, lump sum deposit and withdrawal, and deposit and withdrawal. Both time deposits and certificates of deposit have a variety of deposit cycles to choose from, and the deposit cycle of certificates of deposit is more than that of time deposits. For example, certificates of deposit have nine deposit periods: one month, three months, six months, nine months, one year, eighteen months, two years, three years and five years.

Bank financial products

Bank wealth management products are designed and issued by banks for specific customers. According to different product types, the risks of bank wealth management products are also different. Usually, according to the different risks of bank wealth management products, we can divide them into five grades, namely: prudent wealth management products, steady wealth management products, balanced wealth management products, aggressive wealth management products and radical wealth management products. Among them, the risks of prudent financial products and prudent financial products are relatively low, and there is basically no principal loss.

fund

The public has entered the era of buying funds, and we are no strangers to funds. According to different ways of division, funds can be divided into many types. For example, according to different investment targets, funds can be divided into money funds, bond funds, mixed funds and equity funds. Among them, the risks of money funds and bond funds are relatively low, and the possibility of principal loss is relatively small.

national debt

I believe everyone is familiar with national debt, which can be roughly divided into three types, namely: savings-type national debt, book-entry national debt and bearer from bond. The bonds we usually buy are savings bonds and book-entry bonds, and bearer bonds are basically not issued. National debt is issued with the guarantee of national reputation, so there is basically no default and no loss of principal.

National debt reverse repurchase

Reverse repurchase of national debt is a short-term lending relationship. When there is a shortage of funds, enterprises or institutions can carry out short-term financing through reverse repurchase of government bonds to solve the financial difficulties. Relevant enterprises or institutions will use the national debt in their hands as collateral, redeem the national debt after maturity and pay certain interest. Therefore, the risk of reverse repurchase of national debt is also very small.

Second, can you make money by buying low-risk wealth management products?

Buying low-risk wealth management products can make money, but the expected income is relatively small. As we all know, risks and expected returns correspond. The higher the risk, the higher the expected return, the lower the risk and the lower the expected return.