Step 1: Be sure to know your capital flow demand and risk preference. Only according to their own capital flow needs and risk preferences, determine the financial products suitable for their own product term and corresponding term. If you need to spend money within a certain period of time, you should invest in products whose maturity date coincides with the scheduled time of spending money. If the foreign exchange funds have no fixed purpose, you can choose products with a longer period of time. Investors are relatively conservative, and those who like fixed income will invest in fixed income products. The investment concept is more personalized. If you like higher income, you can invest in floating income products. If you like both, you can invest part of your funds in fixed income products and part of your funds in floating income products.

Step 2: Read the relevant terms in detail and determine the product type you choose. For example, the term "cumulative income" often appears in the terms of fixed-income wealth management products, which is only a relative concept for investors. Only by defining the term of the product can we really calculate whether the return brought by investors in the product is higher. In addition, there are some range-linked products, some of which have very narrow range design, but the promised returns of banks in the range are very high, so it is necessary to have more exchange rate experience to speculate only in foreign exchange, otherwise most of the expected returns may fail. Step 3: Investors need to pay more attention to some financial market consultation. Consulting the global financial market has a great influence on foreign exchange. If we can gain insight into the impact of financial changes on the foreign exchange market at the first time, we can make decisions at the earliest, without losing money or making money.