But unfortunately, we can't find such a product, because such a product doesn't exist at all. You can't buy such a product or you haven't selected such a product. It's not that your financial manager didn't fulfill his responsibilities, or that your level is not enough, but that there are no products on the market that meet these three conditions at the same time. An economic concept-impossible trinity is applied here.
We can't meet three conditions at the same time, so we have to settle for the second best. If you value liquidity, you can sacrifice some profitability. If you pay more attention to profitability, you can choose some high-risk or closed ones. And you can mix assets, take care of this and that, don't put all your eggs in one basket.
If zero risk is required, you can only buy money funds or pure debt-based funds, and these are low-risk products, not zero risk.
Is the deposit risk-free? What if the bank goes bankrupt and buys national debt, and the country encounters a debt crisis? Therefore, we also have a correct understanding of risks.
In particular, if you make a fixed investment and only emphasize risk avoidance, you can be sure that your income, that is, the annual interest on time deposits, is almost the same, not exceeding one percentage point.