Personally, if the principal is only 4000 yuan, it is better to buy a fund. Why did you choose this way? There is a simple reason. If you choose a good fund company and can enter the market at the right time, it is likely that the fund will increase by more than 10% ~ 25% in one month. This is definitely not a fantasy, then we can earn 400 to 900 yuan for 4000 yuan, which should be a good income.

However, if you spend 4,000 yuan on wealth management products, the annual income may be only about 3%. If you buy wealth management products that are not guaranteed, you may still lose money. Of course, buying a fund has certain risks and losses. But if we want to think that high risk means high income, sometimes we have to think that this is our money, and it is unrealistic for you to spend 4,000 yuan on high-risk things, so you might as well try it on the fund, which may really give you an unexpected result.

In fact, if I were myself, I would take this 4000 yuan instead of buying funds or wealth management products, and just put it in the bank to collect interest, because you spend this 4000 yuan, whether you buy funds or wealth management products, you will always care about the rise and fall of your own funds or wealth management products. But this 4000 yuan is really not worth your effort. Many people always think that I don't manage money and ignore me. This idea is right, but it also depends on your principal. If your principal is too small, even if you only earn money, how much money can change your life.

Nowadays, many young people think that they can get rich overnight in the fund market, the stock market or buy wealth management products, or let their property rise geometrically. This is an idiotic dream and a delusion of not understanding the capital market. We must understand one thing. The more money you have, the more money you earn. Taking money to make money is the easiest way. You don't have that much money, and you want to make money. Then you can earn more principal before you can take money to make money.

If the cash base in hand is too small, don't dream of getting rich overnight, and don't dream of falling pie in the sky. People who expect the pie to fall from the sky often fall into the trap, so neither fund stocks nor wealth management products are affordable for the poor and those with less money. We'd better put our money in the bank and get rich with a little interest, or make more money on our own and then consider investing.