1. Are wealth management products risky?
No matter any investment, there will be risks. Everyone, including economic experts, is unaware of the changes in the market. The general pattern is known, but experts are not very clear about high-end and low-end nodes. Economic change is instantaneous. Even treasury bonds and other wealth management products with high safety factors issued by the central bank are always changing. Liquidity risk When we invest most of the funds, if the "emergency" needs funds, we often need to terminate the investment in advance. If forced termination, it will cause great losses. So it is necessary to reserve some emergency funds.
Second, P2P financial products.
P2P wealth management product is a kind of investment wealth management product emerging in recent years, which is favored by investors because of its low threshold, high income and simple operation. It is a person-to-person direct loan through the Internet, connecting borrowers and investors and making full use of social funds. As far as income is concerned, the average income of P2P wealth management industry is about 10%, with low investment threshold and convenient operation, which has great advantages compared with other wealth management products.
Finally, it must be clear that financial management is not an investment. Without a wealth management product, there is no risk, and no wealth management product is omnipotent and profitable. Therefore, we must do a good job of matching, and don't put our wealth management products in a basket alone, so as to ensure the income. When choosing financial management, we should also understand the basic operation of financial management funds, that is, choose a qualified and reliable financial management platform, so as to ensure risk avoidance.