The investment risk of financial derivatives is very high, which is suitable for investors who prefer risk and pursue high returns. The price of financial derivatives depends largely on the price fluctuation of basic products. For example, the price fluctuation of stock index futures mainly depends on the spot price fluctuation of stock index. If the spot market price of the stock fluctuates greatly, then after the amplification effect of leverage, this stock derivative product is very risky. The high risk of financial derivatives largely comes from the trading system of derivatives. For example, futures trading adopts the margin system. If the margin is 65,438+00%, the leverage ratio is 65,438+00 times and the price changes by 65,438+0%, the profit and loss of investors will change by 65,438+00%. The innovation of financial derivatives brings higher income, but at the same time, its hidden risks are more difficult to identify, so investors should be fully prepared for this. The risks of derivatives sometimes not only make traders suffer huge losses, but also endanger the safety of the whole financial market. Basic derivatives such as futures have high risks, but their returns may also be high, which is closely related to the leverage ratio determined by their trading systems. Due to the portfolio investment effect, the expected income level of structured financial derivatives such as RMB wealth management plan and foreign currency wealth management plan launched by commercial banks is usually higher than savings deposits and lower than the leveraged income of derivatives such as futures, and the income is relatively stable.