First, the meaning of fixed income products and floating income products

1, fixed income products

Fixed-income products generally refer to wealth management products with corresponding mortgage guarantee measures to ensure the payment of principal and interest, and the rate of return is fixed, which will basically not exceed the income agreed in the contract, but such wealth management products will have redemption risks in the case of insufficient guarantee.

2. Floating income products

Floating income products refer to financial products funded by investors and managed by professional managers. If the investment is not profitable, investors will lose money; If there is income, investors and managers will distribute the income according to a certain proportion (the general score is 2/8, that is, investors get 80% excess income and managers get 20% excess income). Floating income products basically have no measures to ensure the safety of principal.

Second, the difference between fixed income products and floating income products

According to the classification of fixed income and floating income, the main investment varieties in the two types of products are compared respectively.

Among the fixed-income products, the varieties suitable for high-net-worth investors are mainly trust and asset management, such as bank financial trust, social security fund trust, insurance company trust and liquidity trust of listed companies.

As far as floating income products are concerned, Sunshine Private Equity Fund has high liquidity as long as it starts from RMB 6,543,800+0,000, and the lock-up period is half a year or one year. Industrial funds or PE private investment has a high threshold, the investment period is 5 to 7 years, and there are about 10 investment projects. When any project is withdrawn, the proceeds will be distributed directly to investors.

Through the above comparison, we can see that the difference between them lies in the low risk and stable income of fixed-income products. Products with floating income are risky, especially if it is difficult for investors to judge the risk. The floating income of capital preservation is suitable for investors with middle income and strong risk tolerance. Non-guaranteed floating income is suitable for stable financial investors with more assets and stronger risk tolerance. Fixed-income wealth management products have stable income and are suitable for people with weak risk tolerance. And all kinds of people who are inconvenient to invest in wealth management products or high-risk investments.