Financial management is risky, and fixed-income financial management is also risky. There are many types of fixed-income financial products, such as bank deposits, treasury bonds, local bonds, central bank bills, etc. These financial management risks are not very high, and the yields are relatively low, making them more suitable for conservative investors.

Fixed-income financial products, as the name suggests, refer to financial products with fixed returns. For fixed-income financial products, the expected returns are locked within a certain range, but the risks of the product still exist. Within the controllable risk range, the agreed returns will be paid. If uncontrollable risks occur, the principal and Gains may still be lost.

There are many types of fixed-income financial products. Many products are not very risky and have relatively good yields. They are the main battlefield for current investment and financial management. Whether you are a conservative investor or an aggressive investor, fixed income financial products are a financial allocation worth considering.

1. Fixed income financial management types:

1. Bank-based fixed income: Bank deposits are the most common financial management method used by investors. Bank deposits are mainly divided into demand deposits and time deposits. Deposits have low investment risks, and you can earn income upon maturity;

2. Trust products: Trust products refer to financial products issued by trust companies for investment groups with relatively high investable assets. Trust products are also divided into two major categories, including fixed-income trust products and floating-income trust products;

3. Bonds: Bonds occupy an important position in fixed-income financial products, and from the market According to statistical data, the market size of bonds in fixed-income financial products ranks among the top in the world.

2. What is the meaning of fixed-income net-worth financial products?

Refers to net-worth financial products with fixed income.

First of all, fixed income refers to financial products that mainly invest in fixed-income assets such as bonds and certificates of deposit; so-called net value financial products are financial products that disclose the net value of the unit regularly or irregularly according to the issuance amount. There is no expected rate of return, and the profit and loss of the product is reflected in the change in net value. The fixed income net value financial products that combine the two refer to floating income products that mainly invest in bonds, similar to public bond funds.

In fact, compared with expected return products, net value products only change the valuation method, which does not mean that the probability of principal loss increases. After the gradual withdrawal of expected-income financial products, the yields of many net-worth financial products are now displayed based on "performance comparison benchmarks." That is to say, banks have calculated an approximate rate of return based on their own investment direction, and the final Investment returns will fluctuate around the performance comparison benchmark.

If the underlying assets of the product are fixed-income assets such as deposits and bonds, the difference between the final yield and the performance comparison benchmark will not be too big, and the fluctuation will be very small. However, if the underlying assets of the product are allocated with a small amount of equity assets, such as unlisted equities, stocks, funds, etc., then the yield fluctuation will be relatively large.

Since most of the bank financial management customer groups have weak risk tolerance, even if banks issue net-worth financial management products, most of them are fixed-income products with relatively high stability.