Net-worth wealth management products refer to wealth management products in which the expected rate of return is not clear when the products are issued, and the product income is displayed in the form of net value, and investors enjoy floating income according to the actual operation of the products. Divided into closed net worth products and open net worth products; Closed-end net worth products refer to products with fixed term and regular disclosure of net worth, and investors can only redeem them when the products expire; Open-ended wealth management products refer to products that are regularly opened during the duration, and investors can purchase or redeem them during the opening period.