1. Select the financial management with matching investment preference.

Investors should choose products that meet their investment preferences when purchasing wealth management products. For example, for prudent investors, they should pay more attention to risks and choose low-risk financial products. For radical investors, they should choose medium and high-risk wealth management products and pursue excess returns.

2. Diversified investment

Investors can choose to diversify their risks when purchasing wealth management products. The number should not be too large, and it is best to only vote for three or four. Too much will increase the burden on investors.

At the same time, the types of wealth management products cannot be the same, otherwise the wealth management products with strong correlation will not play a role in diversifying risks.

3. Compare the interest rates and fees of different platforms.

When buying wealth management products, investors should look at several platforms, compare their expected interest rates and fees, and try to choose the platform with higher interest rates and lower fees.

4. Adopt the rule of 432 1 to allocate assets.

For example, 40% of income is used to buy a house or invest in stocks and funds; 30% for family living expenses; 20% is used for bank deposit in case of emergency, and 10% is used for insurance and other protection.

5. Clean up your assets.

Before buying wealth management products, investors should count their assets and know how much money they have for wealth management and whether the wealth management assets meet their own needs.

6, determine the financial goals

When buying wealth management products, investors should set reasonable financial management goals, not blindly set financial management goals, such as doubling funds within one month.

7. Always pay attention to the expected rate of return of wealth management products.

If the expected rate of return is relatively high, it shows the income of wealth management products in an ideal state, which has certain market risks and the expected income may not be realized in the end. Investors can refer to the performance of products in previous years or pay attention to the analysis of market trends when choosing such products.