At present, there are many kinds of personal investment and wealth management products, including baby money funds, certificates of deposit, smart deposits, government bonds, funds, gold, trusts, insurance securities and wealth management. Different products have different investment starting points and corresponding risk levels, so you need to choose products that suit your risk preference, target income and liquidity preference. For example, safer products include money funds, certificates of deposit, and smart deposits. , but its return is relatively low, while equity funds are risky, but the probability of obtaining excess returns is also high.

According to the requirements of the new asset management regulations, wealth management products other than "deposits", including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect the principal and interest does not mean that wealth management products have great "risks", mainly depending on the underlying assets of the products, such as some "low-risk R 1, R2" bank wealth management products that invest in government bonds, financial bonds and money market instruments are relatively safe.