Whether financial management will lose money depends on what financial products are purchased. Risks and benefits are basically proportional. General banks have investments such as savings, funds, wealth management products, foreign exchange, gold and silver to choose from.

Capital preservation, you choose to save and pursue low risk, you can consider money funds and low-risk wealth management products. If you simply manage money, it is recommended to buy money funds and bank financing, such as Yu 'ebao and Licaitong, which have low risks and stable income.

Extended data:

Monetary fund is an open-end fund operated by fund managers and kept by fund custodians. It specializes in investing in low-risk money market instruments. Different from other types of open-end funds, it has the characteristics of high security, high liquidity and stable income, and has the characteristics of "quasi-savings".

The assets of the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities.