when considering investing in wealth management products, it is the goal of most of us to be steady and have relatively high returns. However, it should be noted that high returns are usually accompanied by high risks. Therefore, before investing, it is necessary to ensure that you fully understand the risks, benefits and liquidity of various wealth management products. The following are some suggestions:

1.** Bank wealth management products * *: Many banks offer a variety of wealth management products, usually with relatively low risks and benefits. You can consider buying some wealth management products from large banks, such as China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank. The wealth management products of these banks usually have low risks and stable returns.

2.** Bond fund * *: Bond fund is a fund that invests in bonds with low risk and stable income. You can consider buying some bond funds with good performance in the past, such as E Fund's stable income bond fund and Guangfa pure bond fund.

3.** Yu 'ebao * *: Yu 'ebao is a money fund launched by Alipay, with low risk and stable income. You can deposit some funds in Yu 'ebao to obtain stable income.

4.**P2P financial management * *: P2P financial management is a financial management method that connects borrowers and investors through the Internet platform, which usually has high returns but high risks. If you can bear certain risks, you can consider investing in some large P2P platforms, such as lufax and Pleasant Loan.

5.** Stock investment * *: Stock investment is a high-risk and high-yield investment method. If you have rich investment experience and risk tolerance, you can consider investing in some blue chips or index funds.

please note that the above suggestions are for reference only, and the specific investment decisions should be judged according to your risk tolerance, investment objectives and capital situation. Before making any investment decision, please fully understand the risks, benefits and liquidity of related wealth management products and consult professional investment consultants.