Wealth creation products are financial instruments and investment vehicles designed to help individuals grow their wealth over time. These products can vary widely in terms of risk, return potential, and complexity. Here are some common wealth creation products:

1. Stocks: Shares of ownership in a company. Stocks have the potential for high returns but come with higher risk.
2. Bonds: Debt securities issued by corporations, municipalities, or governments. Bonds typically offer lower returns than stocks but are considered safer investments.
3. Mutual Funds: Pooled funds managed by professional managers that invest in a diversified portfolio of stocks, bonds, or other securities. They offer diversification and professional management.
4. Exchange-Traded Funds (ETFs): Similar to mutual funds but trade on stock exchanges like individual stocks. They offer diversification and often have lower fees.
5. Index Funds: Mutual funds or ETFs that aim to replicate the performance of a specific index, such as the S&P 500. They offer diversification and typically have lower fees than actively managed funds.
6. Retirement Accounts: Tax-advantaged accounts like 401(k)s, IRAs, and Roth IRAs designed to help individuals save for retirement.
7. Annuities: Insurance products that provide a steady income stream, typically for retirees. They can be immediate or deferred and can offer fixed or variable returns.
8. Certificates of Deposit (CDs): Time deposits offered by banks that pay a fixed interest rate for a specified term. They are low-risk but offer lower returns.
9. Alternative Investments: Investments outside traditional asset classes, such as hedge funds, private equity, venture capital, and collectibles. They often require higher minimum investments and can be less liquid.

Each of these products has its own risk and return characteristics, and the suitability of each will depend on an individual's financial goals, risk tolerance, and investment horizon. A diversified portfolio often includes a mix of these products to balance risk and return.