First of all, we must get rid of this misunderstanding: bank financial products are very safe.

Each bank has a variety of products, but they can be divided into capital-guaranteed and non-principal-guaranteed. Capital-guaranteed products generally invest in currency markets such as treasury bonds and commercial bills, which have low risks and relatively low returns.

The other type is investment funds, foreign exchange, stock markets, sunshine private equity, public funds, etc. This type of investment will not guarantee capital, and you will bear the loss yourself.

In particular, trust is quite popular across the country now. Banks generally sell trust products on an agency basis, but it is better to buy them directly from a trust company. There are three types of trusts. One is the fixed income type. This kind of basic annual income is 9%-12%, which can be said to be a guaranteed income.

The second is equity investment, which generally has a long cycle, more than 5 years. This type of investment generally does not guarantee capital, but after the project results, the floating income can generally reach about 20%.

The third is Sunshine Private Equity Trust, which is the opposite of public equity funds, but it also invests in the stock market, stock index futures, margin trading, etc. It does not guarantee capital or income. The only guarantee is that it will charge you every year Fund management fee.

So, the key to whether it is reliable or not lies in the content of the product, not which bank makes it or which bank is reliable.