There are many kinds of investment and wealth management products, different themes are chosen, and the corresponding investment methods are also different. Individuals can not only get the investment income of financial management, but also strengthen their confidence in investing in financial management. Although the wealth management market is changing with each passing day, our focus is eternal, and that is the safety of funds.

With the increasing variety of investment and wealth management products, investors have many choices. But generally speaking, investment and financial management are mainly divided into three categories: low-risk investment, such as savings; Medium-risk investments, such as funds and bonds; High-risk investments, such as stocks and trusts.

Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value, thus accelerating the growth of assets.

How to choose personal investment and wealth management products

Personal investment and financial management must be matched with investment habits and personal risk tolerance. On the whole, individuals choose to invest in wealth management products mainly in four aspects: the amount of investment funds, the maximum risk tolerance of individuals, the liquidity of wealth management projects, and the return on investment. Knowing these four questions clearly, it is not difficult to choose a financial product that suits you.

1. Is the rate of return guaranteed or floating: Some guaranteed investment wealth management products have limited conditions, so you must read the terms clearly when purchasing wealth management products. Generally, fixed income products have low risk, while floating income products have high risk.

Second, is there any risk control guarantee for the products invested by personal financial management? If it is a P2P financial product, a credit loan or a full-value mortgage loan, individuals need to know clearly when choosing.

3. Regarding liquidity, whether investment and wealth management products can be redeemed in advance during the investment period, if this product can be redeemed in advance, then the liquidity risk is relatively small; On the contrary, the product indicates that it cannot be redeemed in advance, and can only get back the principal and income when the product expires. (For more information about wealth management products, please visit Watchdog Wealth. )