No matter where you buy wealth management products, you will see many names of wealth management products. Let's start with their names, because the names of wealth management products will reveal many signals. For example, once the name of a wealth management product contains the word "fixed income", it means that its security will be higher.

What does the fixed income of wealth management products mean?

Theoretically, the fixed income of wealth management products refers to the wealth management products with expected income, and the wealth management products that investors get income at the agreed interest rate after purchasing. This kind of wealth management products are safe, but the income is not very high, because the risk and income of wealth management products must be proportional.

Fixed-income wealth management products play a stable role in the whole asset allocation system, but this is not a capital preservation wealth management product, but it will give investors an interval rate of return. For example, when buying a national debt, an interest rate will be given when it is issued, and interest will be calculated according to the interest rate in the contract later.

Fixed-income wealth management products include time deposits, money funds and bond bank assets. The longer you invest in such fixed-income products, the more you will get. Banks have launched a variety of wealth management products to meet the needs of investors, including capital preservation and non-capital preservation. The expected income, investment direction and risk of different wealth management products are different.

After the promulgation of the "New Regulations on Asset Management", bank wealth management products gradually turned to net worth products, and bond products still continued their usual names, but according to the market and investment targets, net worth fluctuations and real risks appeared.

Judging from the characteristics of fixed-income wealth management products, they are suitable for cautious and steady investors, while those enterprising and radical individual investors often do not choose such wealth management products. Before buying wealth management products, do a risk assessment to see what kind of investor you are.