I want to buy a wealth management product, but I don t know how to buy it, is it safe?

There is a certain risk in buying financial products, for example, the risk is very high, and it belongs to the medium risk, of course, if there is money, you must manage it, otherwise it will be depreciated in the bank, because the price is in the **, so the same amount of money can buy less and less, but if you want to manage money, you must learn financial knowledge, this is a must, my personal experience, at the beginning of my contact, I put money aimlessly into it, and lost a lot of money, since the study of the situation is completely different, So no matter what you invest in, you must first understand the industry, you must remember, then I won't say much, simply tell you the financial products, buy insurance to protect the capital and maintain the value, **spot is not recommended, the water is very deep, buy ** high income and high risk, foreign exchange can also be speculated but must be learned, ** the risk is relatively small, the risk is low, the income is moderate, the current interest can also be deposited in Alipay is higher than the bank's regular interest, and the interest rate of Zhaocaibao is higher, or you can find a bank to lend, the interest will be higher, but there is a little riskIn case the borrower goes bankrupt and cannot repay, it is troublesome, and there is a small business, always do not put it in the bank before, but the money used in an emergency must be put up, so this part of the money can also be put into Zhaocaibao, and the interest is several times higher than that of the bank, and you can also withdraw the money in time when you want to use it.

Go to the bank and ask the counter, they can provide a lot of wealth management products.

Legal analysis: Before purchasing a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

Legal basis: Article 181 of the Criminal Law of the People's Republic of China Whoever fabricates and disseminates false information that affects the transactions of ** and **, disrupts the ** or ** trading market, causing serious consequences, is to be sentenced to up to five years imprisonment or short-term detention, and/or a fine of between 10,000 and 100,000 RMB. Where employees of ** exchanges, ** exchanges, ** companies, **brokerage companies, or ** industry associations, ** industry associations, or ** supervision and management departments intentionally provide false information or falsify, alter, or destroy transaction records, to trick investors into buying or selling ** or ** contracts, causing serious consequences, they are to be sentenced to up to five years imprisonment or short-term detention, and/or a fine of between 10,000 and 100,000 RMB; where the circumstances are especially heinous, the sentence is between 5 and 10 years imprisonment and a concurrent fine of between 20,000 and 200,000 RMB.

Buying wealth management products is risky.

High returns inevitably come with high risks, not to mention that the expected rate of return does not mean the actual rate of return. Most of the short-term high-interest wealth management products of banks are non-guaranteed floating income types, and if you want to buy high-interest wealth management products, you must not sell blindly. Even relatively mature investors should be fully vigilant against risks in the face of changes in wealth management products.

For investors who lack financial knowledge, if they want to buy high-interest wealth management products, they should consult professionals in detail, read the product manuals carefully, and do a good job of risk assessment, and do not make blind moves.

First: savings bonds.

There is an obvious difference between savings bonds and bank deposits, that is, savings bonds can be redeemed in advance. Savings bonds have a very low starting point and can be purchased over the counter at the bank.

Second: Convertible bonds.

For convertible bonds with a higher rating under the guaranteed minimum of convertible bonds, the guaranteed minimum of the convertible bonds** = resale at the end of the period ** + accrued interest. Convertible bonds, like corporate bonds, are T+0 transactions, and the starting amount is the same.

As a type of bond, convertible bonds also have credit ratings, and medium and low bond scores need to pay attention to default risks.

Third: Capital Preservation**.

The biggest disadvantage of capital preservation ** is that it has a high handling fee, and the liquidity is not very good, which is suitable for long-term holding.

Extended information: How to buy the most suitable wealth management products?

Investors can refer to the following precautions when purchasing wealth management products, and then choose the wealth management products that are suitable for them:

1. See whether the issuer and sales platform are formal.

At this stage, there are many institutions that can issue wealth management products, such as: banks, bank subsidiaries, brokers, insurance companies, ** companies, trust institutions and some P2P platforms.

2. Look at the risk level of wealth management products.

At this stage, there are five levels of wealth management products, namely: R1 cautious, R2 conservative, R3 prudent, R4 aggressive, and R5 aggressive. If investors who are concerned about the safety of the principal, they can choose products below R2; If investors are concerned about returns, they can choose products with R3 and above.

3. Look at the subject matter of product investment.

That is, where this wealth management product is mainly invested, only by knowing the investment direction, can we judge whether the future principal of the product is safe and whether the income is stable.

What are the tips for choosing wealth management products?

For prudent financial managers, products with low risk and high returns are probably their most ideal financial products, first look at their actual financial needs, as well as their own risk tolerance, and then compare financial products, in the process of comparison, can not blindly pursue high returns, the nature of the product, investment fields and other aspects can be comprehensively compared, and finally is to develop a personal financial plan, reasonable arrangement of financial funds.

It should be noted that many financial management methods have to pay transaction fees, such as **, **, **, etc., and factors such as account opening institutions, product issuers, and product types will affect the level of handling fees.

In addition, many wealth management products have a fixed investment period, such as bank deposits, wealth management, treasury bonds, etc., the longer the term, the higher the expected rate of return, but it does not mean that the longer the term, the better, because some products do not support early withdrawal, even if early withdrawal is allowed, you have to pay for it, therefore, the purchase of fixed-term wealth management products, not only consider the yield of the product, but also consider the liquidity of funds.