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Which wealth management product is less risky, stocks, funds, foreign exchange or spot crude oil? What kind of wealth management products does the working class choose better?
Among these wealth management products, investment funds have the least risk in theory, but most domestic funds are stock funds, and the risks are also great. It is safer to buy some bond funds.

China's stock market is too difficult to do. It is said that they all lose money. Basically don't consider it.

If foreign exchange goes to the bank to buy some foreign exchange wealth management products, it is risky now, because the unilateral appreciation of RMB may end.

If the spot crude oil is T+0, it can be bought and sold on the same day, and it can be long or short. Flexible trading, free entry and exit, easy selection of trading varieties, convenient and fast. Although it started late in China, it has been regarded as one of the most promising industries in recent years due to the recovery of market economy. Personally, I think spot crude oil is definitely better.