Additional funds for wealth management products refer to the current quota of this wealth management product to support subscription increase. After absorbing savings deposits, banks will put money into the social production process in various ways and make profits from it. Specific decisions can be made after consulting the wealth management product manager.

Common financial management methods

1. Conservative financial management methods include: fixed term, national debt, reverse repurchase of national debt, money fund and bond fund. These financial management methods have low risks, but low returns. Among these products, the reverse repurchase of treasury bonds, money funds and bond funds are relatively more flexible, that is, they can withdraw money in time when necessary, while the regular or early withdrawal of treasury bonds will lose some interest and need to be reasonably matched.

2. Steady financial management methods include: fixed investment funds, index funds, bank financial products, etc. The risks and benefits of these types of wealth management products are relatively moderate, but the funds are more suitable for long-term investment. Wealth management products generally have a fixed term, after which they can receive the principal and income together.

3. Active wealth management products include: stock funds, stocks, gold, etc. This method is suitable for having certain capital and investment ability, and the income is relatively high, but the risks also follow.

4. Aggressive wealth management products include futures and options. This financial management method is suitable for high-net-worth people, because it is risky and requires high professional knowledge.

Before managing money, you must understand the basic knowledge of financial management and the risk tolerance of your own financial management. It is best not to put eggs in one basket, and spread the risks appropriately:

1, the duration of funds is flexible and the income is low, but the funds are safe and can meet your demand for funds;

2. Regular savings of wealth management products or purchase of capital preservation products have high returns and safe funds, but the withdrawal of funds is not flexible and cannot be emergency;

3. Invest in some high-risk and high-yield wealth management products, such as P2P and stocks, but make sure that you have the ability to bear this part of the principal loss.