Why are there many people who are reluctant to buy high profit wealth management, but go to the bank

Many people are reluctant to buy high-profit financial management, whether it is provided by the bank's related software or our related financial management software, people are not willing to contactOn the contrary, they are willing to keep their money in the bank, because they feel that it is relatively more reliable. Because many people don't have a particularly clear concept of financial management. <>

There are a lot of high-profit financial management on the Internet, of course, this high-profit financial management refers to those issued by formal companies, not illegal fund-raising, these financial management methods that can be guaranteed to a certain extent, such as currency, are not considered to be the category of **, because the relevant investment, although the profit margin is high enough, you may be able to earn a lot of money in a few days, but it is too risky, and you may lose all your moneyGenerally speaking, online money** and hybrid** methods are more reliable, and the general profit margin can reach 4% 5%, which is 1% 2% higher than the bank's fixed deposit interest rate. <

The reason why people are willing to keep money in the bank is because people have an inherent concept in their hearts, and feel that the bank is a particularly reliable institution, because when the bank appeared in people's field of vision 30 years ago or even 50 years ago, the interest rate of the bank was relatively high at that time, because the state lacked the corresponding financial support, and naturally needed to absorb the working capital of the people, but now in recent years, the interest rate of the bank has been declining, no matter how it changes, it has formed an inherent concept in people's hearts, that is, to think that banks are more reliableIn any case, banks will not fail, and there is basically no risk, so people are not willing to take the slightest risk and choose the most prudent way to invest. <>

Keeping money in a bank is a forced way to invest, because in essence, although it is an investment, its rate of return is really very low, and it limits the liquidity of our funds, and we can get a higher return than the bank rate when we invest in the relevant currencies and hybrid types onlineIt's just that it should be properly considered in the light of one's ability to take risks.

This is because although the profit of bank fixed deposit is low, but the risk is also low, basically will not lose money, although the profit of financial management is high, but the risk is also large, and it is not suitable for those who do not understand the operation of finance, so everyone chooses the bank.

One reason may be that it is safer for banks to make fixed deposits with low profits, the risk is relatively low, and it is also relatively safe, and the second is that the so-called capital is different, rich people may choose high-risk ones with high profits, and people without money will not take this risk.

Because financial management is very risky, many people don't understand it and won't do it, so no one cares about the low profit of the bank, but the deposit is always their own and will not run away.

Wealth management products with high profits are not safe, many of them will go bankrupt soon after, and even the principal will not be returned.