【中文版】

理财净值是指投资者在投资理财产品时，该产品的单位净值。简单来说，就是每个投资者持有的投资组合的总价值。理财净值的计算公式为：理财净值 = 理财总资产 / 理财总份额。

理财净值有两个主要作用：

第一，它可以反映投资者的投资成果。如果投资者的理财净值上升，就表示投资者在投资中赚了钱；反之，如果理财净值下降，就表示投资者亏了钱。

第二，理财净值是投资者之间比较投资业绩的重要指标。投资者可以根据自己的理财净值和市场的平均水平或者其他投资者的理财净值来调整自己的投资策略，以获得更好的投资收益。

理财净值也有一定的风险。如果市场环境发生变化或者投资者购买的理财产品的净值下降，就会导致投资者的理财净值下降，从而影响投资者的收益。因此，投资者在选择理财产品时应该谨慎考虑自己的风险承受能力和投资目标。

总之，理财净值是投资者在投资理财产品时需要关注的重要指标之一。它反映了投资者的投资成果和与其他投资者比较的业绩水平，但同时也存在一定的风险。因此，投资者应该谨慎选择适合自己的理财产品。

【英文版】

What is the net worth of wealth management?

The net worth of wealth management refers to the unit net value of the investment portfolio held by investors when investing in wealth management products. In short, it is the total value of the investment portfolio held by each investor. The calculation formula of the net worth of wealth management is: net worth = total assets of wealth management / total shares of wealth management.

The net worth of wealth management has two main functions:

Firstly, it can reflect the investment results of investors. If the net worth of wealth management increases, it means that investors have made money from their investments; conversely, if the net worth of wealth management decreases, it means that investors have lost money.

Secondly, the net worth of wealth management is an important indicator for investors to compare investment performance with each other. Investors can adjust their investment strategies based on their own net worth and market averages or other investors' net worth to obtain better investment returns.

The net worth of wealth management also has certain risks. If the market environment changes or the net value of the wealth management product purchased by investors decreases, it will lead to a decrease in the net worth of wealth management and thus affect investors' returns. Therefore, investors should carefully consider their risk tolerance and investment goals when choosing wealth management products.

In summary, the net worth of wealth management is one of the important indicators that investors need to pay attention to when investing in wealth management products. It reflects investors' investment results and compares their performance with other investors. However, there are also certain risks. Therefore, investors should choose适合自己的理财产品 with caution.