“五一”理财不“躺平”！多理财公司、银行发布攻略，该怎么投？

Core Viewpoint - The upcoming "May Day" holiday has prompted various financial institutions to promote low to medium-risk wealth management products, aiming to attract investors seeking better returns amid declining deposit rates [1][5]. Group 1: Market Trends - The bank wealth management market has seen a 6.73% year-on-year increase in the number of investors, despite a slight fluctuation in market size during the first quarter of this year [1][5]. - As of the end of March, the total number of existing wealth management products reached 40,600, with a total scale of 29.14 trillion yuan, reflecting a 9.41% year-on-year growth [5][6]. Group 2: Product Offerings - Multiple financial institutions are marketing a variety of wealth management products, including flexible redemption options and those with holding period requirements, catering to different investor needs for liquidity and investment duration [4][6]. - Products promoted include stable options such as daily open funds and fixed income products, with most categorized as low to medium risk, aligning with the conservative investment preferences of the general public [3][4]. Group 3: Investor Guidance - Investors are advised to carefully assess the risk levels and expected returns of wealth management products, as well as to understand the transaction rules during the holiday to avoid "idle funds" [1][6]. - It is recommended that investors diversify their investments across different asset types to mitigate the impact of volatility from any single asset [6].