Is it safe to dig money, keep accounts and manage money? Will you be cheated?

Digging money, keeping accounts and managing money can't be said to be absolutely safe, but at present, it can be assured that there is no fraud. All enterprises have operational risks, and this financial platform may run away when the capital chain breaks. Personally, I think it is safer to manage money or buy bank wealth management products.

Financial management description

Wealth management products are generally risky, and the higher the risk, the greater the income. However, don't blindly pursue high returns when investing. After all, you have to take huge risks. If you lose money, you will lose more than you gain. Therefore, we must pay attention to financial management and buy financial products according to our own affordability.

Money to buy wealth management products is generally idle funds at home, so as to ensure that money will not be taken out because of emergencies, and many wealth management products are not allowed to be taken out. Everyone should pay attention to this. When purchasing wealth management products, it is generally necessary to sign a contract. At this time, you should look carefully, and you can ask clearly if you don't understand the terms.

When purchasing bank wealth management products, we must be clear about the investment time, the investment of wealth management funds and the expected rate of return. Only by understanding this can we know whether this wealth management product is in line with ourselves, and most importantly, whether it can be redeemed before the investment expires.

: Types of wealth management products

1, bond type

Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

2. Trust type

Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings, and invest in products of trust for beneficial rights of excellent credit assets of commercial banks.

3. Hook type

The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.

4.QDII type

QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers. QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.