目前理财产品分为保本保收益、保本不保收益、不保本等几种类型。对一些风险承受能力比较低的投资者来说,若希望不亏本,就应该选择保本型的产品,现在市场有三类保本产品适合投资者购买。第一类:人民币固定收益产品优点:此类产品多为短期产品,运作模式以债券投资和信托募集资金为主,收益率一般为3%～5%,本金有保障。这类产品适合年龄较大、风险承受能力较低的投资者。 At present, financial products are divided into guaranteed income, capital preservation does not guarantee the benefits, such as several types of non-guaranteed. For some investors with low risk tolerance, if you want to not lose money, you should choose the capital preservation products, the market has three types of capital preservation products for investors to buy. The first category: RMB fixed income Product advantages: Most of these products are short-term products, the operation mode to bond investment and trust-based funds, the return rate is generally 3% to 5%, the principal is guaranteed. These products are suitable for older, less risk-tolerant investors.