First of all, remember that income and risk must be proportional. Now there are many wealth management products, such as Yu 'ebao, bank wealth management, funds and so on. The higher the average investor's demand for the rate of return, the better. After all, no one will have a problem with money. When choosing a wealth management product, the first thing to consider is the lowest rate of return, which is the lowest rate of return you can bear.
After considering the minimum return, look at the risk. The benefits and risks are * * *. Investors will want the lower the risk, the better, but they don't want the lower the return, so you need to consider what the highest risk you can bear.
When you only consider the income, regardless of the risk, wealth management products are bought indiscriminately, and finally even lose money.
After weighing the benefits and risks, let's look at liquidity. The so-called liquidity is very simple, that is, the ability to convert wealth management products into cash. For example, if you deposit and I withdraw, liquidity will be good. On the contrary, the liquidity of bank time deposits will be very poor. When choosing wealth management products, we should consider the liquidity at hand. If you are in urgent need of cash, your wealth management product can't be turned into cash in time, and this wealth management product will definitely have a brand in your mind.
Income, risk and liquidity can only be the second choice. You can't think of all three. If you want to pursue high returns and low risks, you have to sacrifice time, that is, sacrifice liquidity. For another example, if you want to pursue high liquidity and high returns, you must sacrifice risks, such as stocks.