Funds, national debt, trust products and insurance are four different types of financial products. From the perspective of income, trust is the highest, insurance is the lowest, followed by funds and national debt. From the risk point of view, trust and fund are relatively risky, and national debt and insurance are low-risk financial products with guaranteed capital.

From the perspective of income cycle, the income cycle of national debt and insurance is the longest, while the income cycle of trust and fund is relatively short. In particular, funds can be redeemed or purchased flexibly, but certain procedures need to be paid.

In terms of investment threshold, trusts usually have a high threshold, usually more than one million to invest in trust products. The fund has the least entry, and 100 yuan per month can also be used as a fixed investment of the fund. Treasury bonds and insurance are both long-term return financial products, and the one-time investment is about 1000 yuan.

The four investment products are still quite different in risk structure, income cycle and investment mode. It is suggested that different investment products should be flexibly selected and matched according to their financial situation, risk tolerance and capital use cycle.