With the enhancement of people's awareness of investment and financial management, bank financial products have become more and more familiar and become a popular way of public financial management. However, due to the variety of bank wealth management products, complex terms, different maturities and uncertain risks, many investors have no way to start when choosing wealth management products. When choosing bank wealth management products, they can consider the following elements:

1. Paying attention to product characteristics suitable for their own needs, such as liquidity, profitability and safety, is the first place for investors to consider and compare when choosing wealth management products. However, the characteristics of each product are not good or bad. It is important to see which characteristics of the product can meet the needs of investors.

Second, consider the specific environment when the product is launched. Although different wealth management products have their specific income laws, they are always affected by the capital market environment. Not every product can achieve excellent performance from beginning to end, especially the fund products that are greatly influenced by the securities market, and their net value changes are easily influenced by the securities market, resulting in ups and downs. At this time, it is particularly important to pay attention to the changes in the capital market.

Third, choosing professional financial institutions and high-level and high-quality financial planners often has advantages in judging and guiding the benefits and risks of financial products, and can fully reveal the possible and future risks of each product in the management and operation process. Investors should pay attention to this.

Fourth, don't ignore the tracking of wealth management products. Investors must not ignore the choice of wealth management products, especially floating income products. Because the income of products will change with the management and operation level of managers and the change of market environment. This requires investors to keep track of changes in product-related capital markets, constantly adjust investment strategies and revise investment expectations.

5. It is also incorrect to only consider the investment cost without considering the periodic product inventory and adjusting the time value of wealth management products after purchase. At the end of the month, the end of the season, the middle of the year or the end of the year, the inventory and adjustment of purchased products are conducive to comprehensively grasping the capital income and comparing it with the overall market income, so as to realize the optimal asset allocation and the investment portfolio with maximum income.