Any investment has certain risks, and investors should pay special attention to:
Choose financial products that are consistent with your risk tolerance. No matter what kind of wealth management products investors choose, they should fully understand the product characteristics and investment risks of various wealth management products, such as whether to protect the capital, whether to protect the income, and what are the best and worst investment situations.
Pay attention to the investment channels and income design of wealth management products. When choosing wealth management products, we should pay attention to the investment channels and income design of wealth management products. Investors should fully understand where products are invested, how the due investment income is calculated, and whether there are open channels to know the operation and income of products regularly, so as to have a clear understanding of investment products, and further evaluate investment risks accordingly, so as to achieve better control over wealth management products.
Avoid blindly pursuing high returns and ignoring investment risks. Many investors are sometimes blind when choosing wealth management products. They often invest when they hear that a product has high returns, or they prefer a product. In fact, this product selection method has great disadvantages, which makes investors unable to effectively allocate the current investment portfolio and face the risk of high product concentration. If the market or policy is adjusted in the future, the overall investment income will be affected.
Stay awake and adapt to new financial management methods. Faced with a dazzling array of wealth management treasures, investors also need to stay awake and adapt to new financial management methods. It must be remembered that wealth management products are not deposits. You need to ask clearly before buying them. Don't be insatiable and lose your way. Nowadays, among the high returns promised by many wealth management companies, in addition to the large amount of investment made by enterprises in the early stage to open up the market, the income of the money fund itself will constantly change according to the supply and demand of funds in the money market. Investors need to look at the fluctuation of income rationally and see the possible risks behind wealth management products.