Financial management has different investment targets according to different risk levels. Financial management with low risk level generally invests in relatively safe targets such as certificates of deposit and bonds, while financial management with high risk level generally invests in relatively risky targets such as foreign exchange and stocks.
Extended data:
Fund financing risk:
In fact, any financial management is risky, but its risk changes with the nature and characteristics of the invested products and the fluctuation of market conditions. Generally speaking, the risks of fund financing can be divided into two categories: systematic risks and unsystematic risks.
Systematic risks mainly include market risk, credit risk, liquidity risk, inflation risk and policy risk. These risks are uncontrollable, but the probability of encountering them is generally not high. Non-systematic risk often refers to the risk caused by management and operation technology.
Generally speaking, the risk of fund financing is slightly higher than that of bank financing, but compared with other investment products such as stocks and futures, the risk is still relatively small.
Short-term financial risks of banks;
Any financial product has risks, and short-term financial management of banks is no exception, but the degree of risk is different. However, the bank's wealth management products are generally not too risky. Moreover, short-term wealth management products have good liquidity and can also stop losses in time.
Financial products like banks can be divided into guaranteed income, guaranteed floating income and non-guaranteed floating income according to the types of income. The first two categories are capital preservation, and there is basically no possibility of principal loss. The third category may lose the principal, but the probability is not great. Unless there is a big turmoil in the financial market, it will not lose much.
However, some wealth management products of banks will also cooperate with some enterprises and institutions. For example, buying bonds issued by enterprises needs to bear the corresponding credit risks of enterprises. If the enterprise defaults or goes bankrupt, the products you buy are at risk of losing money.
The fluctuation of financial market will definitely affect the principal and income of wealth management products. Therefore, if the fluctuation is large, the purchased wealth management products will also face greater market risks.
Therefore, everyone's investment and financial management must be within the level of risk that they can bear. Usually, the higher the income, the greater the risk. Moreover, it should be noted that the wealth management products bought in banks are not necessarily owned by banks, because banks will also sell some products on a commission basis.