Low-risk financial management is still possible to lose money. In the product risk warning, investors will be informed of what types of risks the product may encounter and lead to losses. High-yield products are often accompanied by high risks. If you pursue safety and don't want to take too much risk, you can choose some low-risk financial products, such as money funds, which are less risky. Although there are certain risks, the probability of loss is still relatively small, and low-risk financial management of banks is also applicable.

The new asset management regulations have stipulated that bank wealth management products will no longer protect capital and interest, so banks have no wealth management products with capital preservation. However, savings deposits are still unaffected, and the savings deposits of every bank are guaranteed to protect the principal and interest.

1. In the process of investment and financial management, funds need to be allocated. Don't put your eggs in one basket, so as to avoid uncontrollable risks, which will lead to slow cashing or inability to cash out, resulting in greater losses.

2. In the process of financial management, some funds need to be used as working capital and some funds as fixed assets, such as real estate, shops and factories. Excess funds can be used as venture capital, stocks are firm investments 1: 1, and foreign exchange and futures are leveraged fund-raising transactions, which can be small and wide.

1. The low-risk financial management that can be bought on the market now can be roughly divided into these categories:

(1) Bank deposit. Whether it is demand deposit, time deposit or large deposit certificate, it belongs to the general deposit business of banks, and depositors earn deposit interest. On the one hand, bank deposits are guaranteed by banks and have high credibility, on the other hand, they are also protected by deposit insurance regulations, so the risk of bank deposits is very low and they belong to capital preservation products.

(2) national debt. National debt, also known as national debt, is a bond guaranteed by national reputation. After the national debt expires, investors can get back the principal and get interest income. Theoretically, unless the country goes bankrupt, there is generally no possibility of principal loss in national debt.

(3) Low-risk wealth management products of banks. Nowadays, bank wealth management products are all transforming into net worth products, and the previous capital preservation wealth management products are no longer issued. Users can choose the bank's low-risk wealth management products, which will indicate the risk type and recommend different wealth management products according to their personal investment style. Investors should carefully understand the types of investment products before buying.