"Fixed income" means that the income is fixed, for example, the expected income of a product is the same as the actual due income. However, not all fixed-income wealth management products guarantee the principal and income. It just means that you can get the expected income without accidents. On the other hand, if there is an accident in the assets invested, the investor will bear the investment risk himself, and both the principal and the income may be damaged.

P2P fixed-income wealth management products mainly include the following categories:

1, P2P financial management: the key is to choose the right platform. Take the wealth management products of Lian Jin Institute as an example, the annualized income is fixed at 10%, the principal and interest are guaranteed at 100%, and the income is stable (the repayment method is to pay interest on a monthly basis and repay the principal at maturity without any moisture);

2. Monetary fund: This kind of fund has the advantage of extremely low risk and relatively high liquidity. Investors can invest working capital or short-term idle funds in money funds to obtain short-term gains to make up for losses in interest and other aspects;

3. Bank financing: In domestic banks, the background of state-owned assets is indirect, the security of government guarantee is high, and the risk basically does not exist;

4. Bank wealth management products: Not all bank wealth management products are low-risk. Bond bank wealth management products mainly invest in the money market, including short-term treasury bonds, financial bonds, central bank bills, etc., with low risk.