When choosing bank wealth management products, many factors need to be considered, including expected rate of return, risk level, liquidity, term and so on. Here are some recommended financial products:

1. Fixed-income wealth management products: These products include time deposits, agreement deposits and call deposits, with relatively stable expected returns and low risks.

2. Bond-type wealth management products: These products are mainly invested in bonds issued by the government or enterprises, with low risks and relatively stable expected returns.

3. Money market fund: This is a low-risk, high-liquidity financial product, which is invested in short-term financial instruments with high liquidity.

4. Net-worth wealth management products: These products usually invest in high-risk and high-yield financial instruments such as stocks and funds, and the expected rate of return is relatively high, but the risks are correspondingly large.

When choosing a wealth management product, you also need to consider factors such as product liquidity and term. Short-term wealth management products have high liquidity and are suitable for short-term idle funds.

In addition, investors need to choose appropriate financial products according to their risk tolerance and investment objectives. If you pursue a stable expected rate of return, you can consider fixed-income products and money market funds; If you pursue a higher expected rate of return, you can consider net worth wealth management products.