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Are r3 wealth management products risky?
R3 is a medium risk, neither too big nor too small, in the middle.

The issuer (bank) can neither guarantee the repayment of the principal nor the stability of the income; Most of its funds will be invested in low-risk targets such as government bonds and interbank deposits; About 30% of the funds will be invested in high-risk and high-return targets such as stocks, foreign exchange and gold. Theoretically, there is a possibility of loss, but in fact, the possibility of loss of principal is low.

stock

Buying stocks means buying listed companies and China's economic growth. The supply and demand of domestic stock market funds is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.

future

Generally, it refers to a futures contract, which is a standardized contract made by a futures exchange and agreed to deliver a certain amount of subject matter at a specific time and place in the future. This subject matter, also known as the underlying asset, can be a commodity, such as copper or crude oil, or a financial instrument.

If the buyer of a futures contract holds the contract until the expiration date, he is obliged to buy the subject matter corresponding to the futures contract; If the seller of a futures contract holds the contract until it expires, he is obliged to sell the subject matter corresponding to the futures contract (some futures contracts do not make physical delivery but settle the price difference when they expire). For example, the expiration of stock index futures is the final settlement of the futures contract in the opponent according to a certain average of the spot index. Of course, traders of futures contracts can also choose to reverse the transaction before the contract expires to offset this obligation.

national debt

2005 was a year of innovation in the national debt market, which not only increased the variety of national debt, but also gave investors more choices. New attempts and reforms have also been made in the way of issuing treasury bonds, which has further improved the marketization level of issuing treasury bonds and minimized the interference of non-marketization factors. In addition, the secondary market of national debt will also become the development focus in 20 14 years. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors.

rescue

Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. Most residents still regard savings as the first choice for financial management. On the one hand, the inflow of foreign capital into China is still strong, and the supply of basic money in China has increased; On the other hand, in order to moderately control the rise of price index and inflation rate, the government adopted the means of raising interest rates, and the floating range of interest rates was further expanded. The rise in interest rates will certainly stimulate the increase in savings.