Nowadays, with the continuous improvement of people's living standards, the concept of financial investment has become more and more popular among people. The purchase of some personal wealth management products is a financial management method that is recognized by many people. Then, how much risk do these wealth management products have? The small-scale wealth management products are more complicated in terms of term setting than the general wealth management products. Investors must clarify the life cycle of their own funds. Some small wealth management products indicate that they can be terminated early. Rights are the rights of trust companies, not the rights of investors. For investors, you should choose the right time limit so that you can get the benefits without affecting your own capital use requirements. P2P online loan management is the hottest microfinance product in the past two years. It refers to the platform that connects the borrowers and lenders together to realize the demand for borrowing through the platform. The investor plays the role of the borrower. This model has a very low investment threshold and annualized income of 8%-20%, which is very suitable for people with less money to invest. Small wealth management products are not traditional financial management. It is recommended to choose areas that you are familiar with or recognized. Because customers are familiar with it, they can have accurate judgments. Avoid investing in areas that you are less familiar with to avoid losses. It is recommended that you choose some financial platforms with financial backgrounds for investment, because most of the small wealth management products are mainly based on network wealth management products, and Internet finance needs the support of traditional financial background. Small-scale wealth management products use mortgage guarantee as an important risk control measure. The sufficient value and liquidity of mortgage collateral are two key points of risk control. Simply speaking, the higher the value of the collateral, the better the collateral is more likely to be realized. it is good. This is actually an effective means of reducing risk. So, what are the advantages of small wealth management products? Mastering the above purchase secrets will help you to purchase a satisfactory wealth management product. At the same time, do not blindly purchase, you need to choose your own short-term small wealth management products according to your risk preferences.