Although you have the opportunity to make money when doing investment and financial management, if you do not do well or buy the financial products you are not right, you may also lose money. Since no one wants to lose money, many people seek financial products that basically won

. Although you have the opportunity to make money when doing investment and financial management, if you do not do well or buy the financial products incorrectly, you may also lose money. Since no one wants to lose money, many people seek financial products that basically won’t lose money when doing investment and financial management. So, what financial products are there that will not lose money?

Which financial products will basically not lose money?

First of all, if you want to ensure that you won’t lose money, you can only choose the guaranteed financial products.

The most well-known guaranteed financial product is bank deposits. There is no need to introduce too much about bank deposits. Even if you have not deposited them, you should be familiar with them. As long as the deposit in a bank does not exceed 500,000, there is no possibility of losing money. The reason for limiting 500,000 is mainly to prevent bank bankruptcy, although this possibility is very small.

In addition to bank deposits, treasury bonds, treasury bond reverse repurchase , local bonds, etc. can also be regarded as guaranteed financial products. Because these financial products have fixed interest rates and the possibility of default by borrowers is very low, it can basically ensure that the principal will not be lost.

In addition, some insurance and financial products are also guaranteed financial management. However, you need to keep your eyes open when buying insurance and financial management, otherwise it will easily fall into the pit. For example, although some insurance financial management can guarantee capital, the period is very long and cannot be redeemed in advance.

In addition, newly issued convertible bonds can be barely considered as a guaranteed financial product. On the one hand, newly issued convertible bonds are likely to rise after they are listed, so the chance of losing money is very small.

On the other hand, convertible bonds also have fixed interest, and the bond issuer also needs to repay the principal and interest after maturity. Therefore, even if the price does not rise after listing, as long as there is no default, it can guarantee that the principal will not be lost.

However, because convertible bonds are corporate bonds, they are not as good as treasury bonds and local bonds in credit ratings, the risk of default is slightly greater, so they can only barely be regarded as a guaranteed financial product.

Secondly, if you don’t ask for guarantees, you can also choose some low-risk financial products. Although some financial products of do not promise to guarantee capital, they basically do not lose money, such as money funds and cash management.

Money funds and cash management financial management are both low-risk financial management, and the probability of losses is very small.

In addition to the low risk, these two types of financial management have some advantages. One is that they have very little liquidity. The liquidity of some money funds and cash management financial management can even be comparable to current deposits. You can buy it at any time if you want to buy it, and you can sell it at any time if you want to sell it, but there is a limit on the amount.

Another advantage is that the income can be received every day, and after the income is received, it can be automatically converted into principal and continue to generate returns. This is something that none of those financial management can have.

In addition, interbank certificate of deposit index funds and short-term bond funds can be considered as financial management that will basically not lose money in non-guaranteed capital management.

However, if you want to do these two types of financial management, you will basically not lose money and need to hold them for a long enough time. Because these two types of wealth management are net value-oriented wealth management, the net value may rise and fall in the short term, and only for a long time their net value continues to rise. The advantages of these two financial management are that they have the opportunity to obtain relatively high returns and have better liquidity.

In short, if you want to buy financial management that will not lose money, you may not be able to buy financial management for guaranteed funds. For people with certain financial needs, sometimes some non-guaranteed financial management may be a better choice.