What does the phrase "financial management is risky and investment needs to be cautious" mean?

In other words, this kind of financial management does not guarantee the principal or interest, and the promises given to you are all expected. If there are no accidents, the expected income may be achieved. Once there is a problem with the target of your investment, you may not get the expected return, or even lose everything. Therefore, not all bank deposits will give risk warnings in contracts or agreements, which is also stipulated by the state.