See what purpose you buy a financial model for. The financial management of insurance companies is generally dividends and universal insurance. In the short term, many companies have low or no income, and individual companies will be slightly better. Financial insurance depends on the long-term income.

However, the function and significance of financial insurance is not only income, it can get a certain amount of money in a certain period of time and avoid taxes and debts reasonably (of course, the premise is that professionals plan three types of people: investors, recipients and recipients). This kind of insurance can also be used as pension, education fund and marriage fund savings. Of course, how much money you get depends on your economic level. If you don't need to use this money for insurance in the short term, it is still necessary. Of course, the type of insurance also needs to be done.

Any financial management has risks and must be treated rationally, and bank financial products are no exception. Generally speaking, bank financing is relatively safe, and the specific risks depend on the product type. The main risks faced by bank wealth management products are market risk, credit risk, liquidity risk, inflation risk, operation management risk and force majeure risk.

But you must pay attention to the risks when buying. Many wealth management products of banks have very high returns, but the risks they bear are also relatively large; Many people don't promise the security of principal, so you must pay attention when buying wealth management products.

The starting point of bank wealth management products is relatively high, generally starting from 50 thousand yuan. When purchasing, you need to sign a purchase contract with the bank. This contract stipulates the obligations and rights of both parties. Here, I will focus on whether the handling fee for buying and selling can be redeemed in advance. What are the restrictions?

When buying wealth management products, we should know their investment direction, such as money funds, whose main investment direction is large bank deposits, national debt, government bonds and so on. These products have high returns and low risks, and many people like to buy them at ordinary times, and the proceeds will arrive on the same day.

Money to buy wealth management products is generally idle funds at home, so as to ensure that money will not be taken out because of emergencies, and many wealth management products are not allowed to be taken out. Everyone should pay attention to this. When signing a contract, read the terms carefully and ask in time if you don't understand.