1. ABC's ingenious financial management is risky, because it is a financial management product, so there are certain risks. Wealth management products, including bank wealth management products, are not completely risk-free, and this product belongs to low-risk wealth management.

2. This wealth management product of ABC takes 3 days as a unit, including 9 days, 27 days and 36 days, etc. Although it is a wealth management product of a state-owned bank, the risk control is better, but we should also pay attention to avoiding risks and rationally allocating assets to purchase wealth management products.

3. In general, most wealth management products are risky, unless the contract text agreement indicates that they are capital-guaranteed products, and those that are not indicated are all at risk of loss of principal. The specific degree of risk depends on the scope of the product's investment target, and investment needs to be cautious. Before purchasing wealth management products, I suggest you read the contract, pay attention to the scope of investment target, risk introduction, etc.

: 1. From the platform of China Agricultural Bank, it is safe, because China Agricultural Bank is a large state-owned bank managed by the central government, which has been audited by the state and is formal, and its anti-theft technology is still very powerful. From the perspective of wealth management products themselves, it is not necessarily safe, because wealth management products are risky, and so is bank wealth management, except that bank wealth management will be classified into risk levels.

2. If you want to find a regular wealth management product with high income of ABC and can bear moderate risks, you can choose the Tongxin series of wealth management of ABC, with high annualized income, and the expected annual interest rate of the product with a term of 72 days is 4.7%. If you pursue flexible access, you can choose the current wealth management products of the Agricultural Bank of China, whose current income is slightly higher than that of the money fund. In addition, if you want to invest in the short and medium term, you can choose the structured wealth management products of the bank, whose yield is between 3% and 3.5%, and the investment period can be flexibly selected as one month, two months and three months.

3. Financial management is risky, but its corresponding expected rate of return will be higher than that on a regular basis. It will be mainly influenced by macro-economy. In addition, it is not excluded that the investment will be affected by factors such as manager risk, policy risk, market risk, delayed redemption risk, liquidity risk, reinvestment risk, fundraising failure risk, information transmission risk and so on.