Capital-guaranteed wealth management products, in short, guarantee your principal. Basically, as long as the product expires, there will be no loss of principal and no interest at most, so the income of capital-guaranteed wealth management products is generally low. What are the guaranteed financial products?

What are the principal-guaranteed wealth management products?

Common capital-guaranteed wealth management products include treasury bonds, insurance products, money funds, bank wealth management products and trust products.

1, national debt products:

It is issued by the state, with low risk and low income. The term of national debt is generally 1 year, 3 years, 5 years, 7 years, 10 year.

2. Insurance products:

Its investment period is generally longer, but its income is about 2% higher than that of the national debt in the same period. Different from national debt, insurance wealth management products have the characteristics of insurance. But you also need to take some risks.

3. Monetary funds:

Compared with stock funds and bond funds, money funds are low-risk financial products. Many money funds are linked to Internet financial management. A good money fund can earn more than 4-5% annually, and its liquidity is relatively good. 10 yuan can start investing.

4. Bank wealth management products:

The yield of bank wealth management products is generally around 3% to 5%, and there are few high-yield products.

Therefore, the income of capital-guaranteed wealth management products is basically very low, but compared with stock funds or stock hybrid funds, the advantage of capital-guaranteed wealth management products is that the risk is low, the capital can be basically guaranteed, and the principal loss is very small. However, no matter what financial products are risky, investment is risky and financial management needs to be cautious. Finding the right one is the most important thing.