First of all, we should understand that savings, stocks, bonds, funds and insurance are different financial products, and they all have their own characteristics. The savings risk is the lowest, but the income is relatively low. Stocks are risky, but the returns are high. From this perspective, wealth management products themselves are not good or bad, only whether they are suitable for investors.

Secondly, it is necessary to understand the investment style of investors, whether it is conservative or positive. Still steady? Some people like high risks and high returns, and will go to the stock market for gold; However, some people may just want to get a stable income and don't want to take too much risks. They will choose savings bonds. Therefore, A must first find out what type he belongs to, and then consider investing.

Third, A needs to clarify the purpose of investment and financial management. Of course, investing in financial management is for the appreciation of funds, but the ultimate goal is to use money in life. The purpose of financial management is to live. Therefore, A needs to set financial goals for himself, buy a house or a car, or consider retirement pension security. Then plan and invest according to his financial situation, not only sports lottery, but also all kinds of income and expenditure should be included in the plan. Investment and financial management is what people should do in this life, and it is a new way of life.