1. Alarm: After the wealth management company goes bankrupt, investors can call the police, let the police file a case for investigation, and may recover the money.
2. Prosecution: After the wealth management company goes bankrupt, investors can apply to the court for prosecution, and then submit a complaint, evidence to prove the existence of the facts, a copy of the plaintiff's ID card and other materials to the court.
The risk level of financial management is from low to high: the lowest is savings, savings, money in the bank, and the bank gives you fixed interest, regardless of whether the bank loses money or not. Moreover, banks are guaranteed by the state, and it is generally difficult to fail. But the interest rate of savings is falling, so the income of savings is very low.
Monetary fund. Money fund refers to a fund that invests in short-term securities in the money market. Its rate of return is generally only slightly higher than that of one-year time deposit interest, but it has good liquidity, and it is not necessary to withdraw when the time deposit is full, otherwise interest will be calculated according to the current demand. The risk of money fund is almost zero, so its rate of return is relatively low. Money funds can get back the principal and interest unless banks and fund companies go bankrupt. Generally speaking, the state will not sit idly by and watch the bank and fund company fail. China has not seen the collapse of these two types of financial institutions.
National debt. National debt is a loan to the country. At maturity, it can be recovered with interest, unless the country goes bankrupt. Generally, the national debt we can buy is only issued by the China government. China's government is still quite rich, with so much revenue every year. Although China's economy began to slump in the past two years, its GDP growth rate only slowed down, instead of going backwards. There is little chance that the China government will go bankrupt.
Rmb wealth management products, wealth management products, which are not completely invested in stocks, are mostly used to play new shares, and generally have fixed income anyway. If you invest in stocks, it is no different from stock funds. When buying, you should ask clearly about the direction of this wealth management product of the bank. Wealth management products are generally issued through banks. Securities companies also have their own wealth management products, most of which are investment stocks.
Fund. The fund still mainly depends on what kind of fund it is. Funds are divided into stock funds (money is used to invest in stocks), and there are many types of funds, which are divided according to their different investment directions. Stock stock fund is a fund with stocks as its main investment object. Bond funds are funds that invest in bonds. Money fund refers to a fund that invests in short-term securities in the money market. Its rate of return is generally only slightly higher than that of one-year time deposit interest, but it has good liquidity, and it is not necessary to withdraw when the time deposit is full, otherwise interest will be calculated according to the current demand. The risk of money fund is almost zero, so its rate of return is relatively low. The risk is lower than that of stocks.
Stock. Everyone can see the huge risks of stocks. It has no capital preservation, and may depreciate, resulting in loss of principal.