2. Floating income is relative to fixed income, that is, income cannot be guaranteed. The lowest can be 0, no income. Contrast: bank deposits are guaranteed income, so they have fixed income. The floating income of capital preservation can relatively ensure the safety of principal. The risk of this wealth management product is borne by the bank, and the investor's principal is safe.
Extend the data 1 to see the risk level of the product.
At present, the bank's wealth management products can be roughly divided into five types according to the risk level: cautious, steady, balanced, enterprising and radical. Generally speaking, the first two are risk-free and have the advantage of stability. Even if the income is risky, the principal will generally not be lost. The latter three risks are relatively high, but the benefits will be more obvious.
2. Look at the type of product
Investors must be careful not to invest in areas they don't understand, so pay special attention to what types of products are. Take funds as examples: money funds, bond funds, stock funds, hybrid funds and so on.
3. Diversified investment
If the portfolio of this wealth management product includes regular bank wealth management and other parts affected by the national bank interest rate, then its income will be affected by the bank interest rate. If the portfolio of wealth management products includes stocks and other parts affected by the company's business, then his income will be affected by the company's profitability.
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