Many people have financial needs, but they don't know much about the channels of investment and financial management. Different financial channels have different professional requirements and risk levels for investors. So what are the channels for investment and financial management? Let's summarize the advantages and disadvantages of each investment channel for everyone.

First, bank financing.

1, high investment threshold. General bank wealth management products start from 50,000 yuan, and a few products start from 6,543.8+0,000 yuan. But for ordinary people, especially novice investors, 10 thousand yuan is still not a low threshold.

2. The risk assessment is very strict. Investors need to go through risk assessment before buying products, and only products with matching risk level or lower risk level are allowed to buy. The risk level of the product will be clearly marked in the product specification.

3. Convenient operation. Bank wealth management products can be purchased through bank counters, mobile banking and online banking.

Second, the fund management

1, there are many kinds of products. Fund products have different classification standards from different dimensions. According to the different investment targets of funds, they can be divided into money funds, bond funds, hybrid funds and equity funds. Among them, the money fund has the lowest risk and is not called quasi-savings. The risk of equity funds is relatively high, but the expected return is also high. For investors, there are many options for fund investment.

2. There are many purchase channels. Fund products can be purchased directly through official website and fund companies, or through third-party platforms such as banks, securities companies and Alipay.

Third, bond financing.

1, the expected return is stable. There are two main ways to obtain the expected rate of return on bonds: holding bonds at maturity to obtain the expected rate of return on interest, and buying and selling bonds before maturity to obtain the expected rate of return on spreads. The price fluctuation of bonds is small, so the expected return of bond investment is relatively stable.

2. The security of national debt is high. Among all kinds of bond types, national debt is the most secure, comparable to bank deposits.

What are the channels for investment and financial management? I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.