First, the classification of wealth management products is different.
1, wealth management products. Including stocks, bonds, funds, futures, foreign exchange, gold and so on.
2. Non-financial wealth management products. Education fund planning, housing planning, pension planning, medical insurance planning, tax planning, heritage planning, etc.
What needs to be pointed out in particular is that the so-called "wealth management" widely circulated in the society now mostly refers to financial wealth management products. As the landlord asked, this is exactly what banks, insurance, securities and other institutions advocate. This is really misleading [financial management]. The exact name of the above products should be investment products.
Second, the landlord's differences on financial management products
Product classification: relative income ratio/relative risk ratio/suitable for people/remarks
Insurance/low/low/owner/mainly security function
Stock/Higher/Higher/Young/Middle-aged
Fund/medium/medium/old, medium and little
It should be noted that: 1, the main function of insurance is protection. Risks are everywhere, and moderate insurance is necessary. However, the investment-linked insurance and universal insurance of insurance are not what everyone understands, and their investment income is not "insurance". Their income is lower than that of stocks and funds, and many expenses are high. Many insurance salesmen exaggerate their investment-income ratio, which is misleading. 2. According to different investment products, funds are divided into stock type, bond type and mixed type. Its benefits and risks are also different. Generally speaking, bond funds are suitable for low-risk and low-yield bear markets, but their relative returns are low during the period of high economic development, so they are suitable for conservative investors. Equity funds have relatively high risks and high returns, which are suitable for bull market investment. The landlord said that hybrid funds are more suitable for people who don't know about stocks or have no time to pay attention. It is wise to leave them to experts. 3. In fact, among all kinds of wealth management products, although the risk of stocks is relatively high, the relative return is the highest, which is also the best choice to fight inflation. In fact, knowing the macroeconomic trend, the landlord can choose a few large-cap blue-chip stocks to buy after comparison. It is recommended to hold it for a long time and invest a small amount in the initial stage. After holding 1-2 years, increase the investment ratio or invest in small and medium-sized stocks. You will find that as long as you don't blindly follow, as long as you don't listen to gossip and know more about stocks, you will find that investing in stocks is not terrible and the risks are controllable.
-I don't know what the landlord thinks. Are you satisfied? Good luck and progress!