Is the risk level R 1 high or low?
The risk level is generally divided into five levels: R 1~R5, where R 1 generally refers to the lowest risk level. Products with risk grade R 1 are suitable for those investors who pursue principal security and income stability. The expected return may not be high, but the risk of principal loss is small. It should be noted that different investors have different risk preferences and tolerance. For investors with low risk tolerance, even if an investment product is rated as low risk, if its risk level is still beyond the acceptable range of investors, it may still be high risk for investors. The risk level is only a reference and guidance, and investors can't make decisions only by it.
How to choose financial products?
1, choose according to your own capital needs. Generally speaking, investors can put some funds in bank deposits or money funds to facilitate capital turnover, and the remaining funds can be used to buy government bonds and bank wealth management products. In order to obtain a relatively high return.
2. When choosing a wealth management product, we should pay attention to the product's term, expected income, transaction cost, investment risk and other information. Generally speaking, the income and risk of a product are directly proportional. For investors with weak risk tolerance, they should avoid buying financial products involving large fluctuations such as stocks and futures.
3. Choose according to market conditions. Investors should pay attention to the changes in market conditions and return on investment, and make adjustments according to the actual situation. If the market interest rate rises, investors can put more money into fixed-income products to get higher returns.