Wealth management products are risky, and bank wealth management products have various risk levels. When you buy it, the bank should evaluate your risk tolerance through a questionnaire, and determine what kind of financial management is suitable for you according to the results you fill in, and will not sell it to you casually. At least three types of low-risk stable income are suitable for ordinary people to buy, and the income is generally not too high, below 6%.

Wealth management products are risky. Let's analyze the specific products.

1. Theoretically, time deposits are risk-free.

Wealth management products are definitely investment behavior, and there will be risks if there is investment. Banks will launch some time deposit wealth management products, stock and fund-related wealth management products, of course, there are also transactions such as gold, and there are also some money fund government bonds. Theoretically, time deposit wealth management products have little risk. Unless the bank goes bankrupt, this rarely happens at present.

2. Treasury bonds and money funds are not risky.

It is also recognized that the risk of national debt and money fund is very small. But it doesn't mean there is no risk. Under normal circumstances, risks are directly proportional to returns, and the returns of money funds and national debt are not very high. But what is certain is that it is definitely much higher than the bank demand deposit.

3. Wealth management products related to stocks and funds are risky.

Of course, we all know that stocks and funds have high returns, but while enjoying high returns, there are naturally high risks. Although there are many customers who deal with banks, banks naturally dare not sell such high-risk wealth management products at will, but they do not rule out not selling them, so they must consider it clearly when buying.

4. Pay close attention to official developments in time to avoid risks.

After purchasing the bank's wealth management products, we must learn to pay attention to some related trends and instructions of the central bank and banks in time. Of course, some official government news is also important. In short, we should avoid risks and maximize profits.

It should be noted that bank wealth management products are risky, and there are five risk levels, from high to high: PR 1-PR2-PR3-PR4-PR5. Read the product manual carefully and choose the one that suits you.