Why do you have lower financial returns than others?

Maybe because you like financial products with less risk, the return you can get is relatively low, because the risk is proportional to the return, and the greater the risk, the greater the return. So if you invest in high-risk financial products, then you are likely to get higher returns than others. Financial management can not only look at high returns, only when you can withstand high risks can you have high returns; If you can't afford that high risk, then don't envy someone else's high returns.

In fact, for us ordinary people, we should diversify our investments in order to obtain high returns while ensuring the safety of our funds. A part of the funds can be used to invest in low-risk financial products, such as currency**; A portion of the money is used to invest in medium-risk wealth management products, such as P2P; A portion of the money is used to invest in high-risk financial products, such as **. And for each financial product, you should also diversify your investment, don't put all your money on the same product, and invest in several more products.

As long as you insist on diversifying your investment and financial management, then you will get more returns than many people, and the safety of your funds is relatively high.

Because he is a conservative and steady person who is unwilling to take risks, although his income is low, he is steady. Most of these people are middle-aged, so it's not strange, what do you say? In my opinion, there are risks in both high and low financial returns, high income and high risk, and a certain amount of economic knowledge and foundation can be allocated.

The main reasons for the lower and lower financial returns are as follows:

1. The yield of wealth management and the interest rate of bank deposits and loans are basically positively correlated, and the interest rates on deposits and loans of banks have been declining recently.

2. Affected by some economic policies, the global central bank has increased its efforts to release water and cut interest rates, resulting in more money in the market, no shortage of money, and the rate of return on wealth management will naturally decline.

3. Bond yields are generally lower. Generally speaking, most low- and medium-risk wealth management products will be allocated bonds, such as regular wealth management.

Further information: Wealth management is a Chinese word, pinyin is lǐ cái, and the English is financing, which refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Wealth management" is often used in conjunction with "investment and financial management", because "financial management" has "investment" and "investment" has "financial management". The so-called financial management is not only about investing money outward, being invested is also a kind of financial management, and if you don't know how to be invested, you don't know how to manage money better.

The term "financial management" was first seen in the newspapers in the early 90s of the 20th century. With the expansion of China's first-class bond market, the increasing enrichment of commercial banking and retail business and the increase in the overall income of citizens year by year, the concept of "wealth management" has gradually become popular. Personal financial management varieties can be roughly divided into personal assets and personal liabilities, such as common assets, bonds, deposits, life insurance, etc., which belong to personal assets; Personal housing mortgage loans and personal consumption credit belong to the varieties of personal debt.

Financial management, as the name suggests, refers to managing finances. When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is the management of a lifetime's wealth, not just to solve urgent money problems.

Financial management is cash flow management, everyone needs money (cash outflow) from birth, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

There is a balance + in the wealth management link, the balance + is the currency**, the interest rate of the currency ** is low, but the currency ** is very safe, and the currency** mainly invests: bonds, bills, certificates of deposit, etc., so the interest rate is relatively low.

In addition, the "advanced wealth management" in the wealth management connect is mainly high-risk financial products, including: Nian Mu Hybrid**, Index**, ****, FOF** and Alternative**. The yield of some products is low, probably because the underlying stocks invested by the manager are not good.

For example, the income from wealth management positions is 5,000 yuan, and the subsequent loss of 1,000 yuan is 4,000 yuan.

Net worth wealth management income = (net value at the time of sale - net value at ** time is quiet) * wealth management share, and the income of net worth wealth management products is updated daily. Non-net worth wealth management income = principal * expected rate of return * period, the principal and income will be automatically transferred to the investor's account after the maturity of non-net worth wealth management.

The reason for the small change in principal after wealth management is that the wealth management product that is enough to buy is likely to be a non-guaranteed floating income type, and within a certain period of time, if the income of this wealth management product is not good, the redemption at maturity will result in a loss of principal. In addition, even if this wealth management product generates income, but due to the handling fee required for purchase and redemption, if it is **, there may be some other fees, and when the income is not enough to make up for the expenses, this kind of principal will also be reduced.

Whether you buy wealth management products at a bank or buy them on a third-party financial platform (such as Alipay, WeChat, etc.), many products may be advertised as "stable", but as an investor, you need to understand that stability is not the same as capital preservation. There is also a risk rating that will also show low to medium risk, and we also need to understand that low to medium risk does not mean no risk, and in a few cases, it is possible to lose the principal. If you want to ensure the absolute safety of the principal, you can only choose the bank's fixed deposits, treasury bonds, central bank bills and other financial management, or some wealth management insurance.

The income of wealth management products is determined by the investment target, and wealth management products are mainly invested in time deposits, bonds and other assets, and the income of time deposits is gradually declining, and bond yields are generally lower, so the income of wealth management is getting lower and lower, but wealth management will also invest in assets, foreign exchange and other assets, which increases the yield of wealth management, and also increases the risk of financial management.

At present, wealth management is divided into 5 levels according to the investment target, and investors can choose the right product according to their own risk tolerance.

Extended Information:**Financial Risks:

In fact, there are risks in any financial management, but the risk is affected by the nature of the products invested and the market fluctuations. Generally, the risk of financial management can be divided into two categories: systematic risk and non-systematic risk.

Systemic risks mainly include market risk, credit risk, liquidity risk, inflation risk, policy risk, etc., which are relatively uncontrollable, but generally have a low probability of encountering. Non-systemic risk often refers to the risk caused by business management, operation technology, etc.

In general, the risk of ** wealth management is slightly higher than that of bank wealth management, but compared with other investment products such as **, **, etc., the risk is still relatively small.

Bank Wealth Management Risk:

In any kind of financial management, there is a certain risk of loss.

Bank wealth management products can be divided into five risk levels, namely R1, R2, R3, R4 and R5, of which R1 has the lowest risk level and R5 has the highest risk level.

R1 is cautious, R2 is robust, R3 is balanced, R4 is aggressive, and R5 is aggressive. And the higher the risk level, the greater the likelihood of loss. Of course, the higher the risk, the higher the return.

When you buy bank wealth management products, you should choose products according to your own risk tolerance. For example, if you are pursuing stability, you can choose R1 and R2 financial products, such as treasury bonds, currencies, bonds, etc.; If you are pursuing high returns, you can invest in R3, R4 or even R5 level financial products, such as indexes, hybrids, trusts, etc.