Did Alipay Foundation lose its principal?
Society, wealth management and funds are not capital preservation products, so no matter what type of fund management, there will be the possibility of loss calculation. Only according to different types of fund products, the risk of loss is different. Under normal circumstances, only bank deposits will not cause losses, but once banks fail, the deposit protection system will only protect deposits within 500,000 yuan.
What is the risk level of bank financing?
1 and R 1 Prudent products: low risk, guaranteed capital and interest, and almost no possibility of loss, such as treasury bonds, deposit products and guaranteed capital wealth management products.
2.R2-level robust products: low-to-medium risk, non-principal-guaranteed, and the loss probability is close to zero, such as bank current wealth management.
3.R3-level balanced products: moderate risk, non-principal-guaranteed, fluctuating income and low loss probability, such as bonds and hybrid funds.
4.R4-level enterprising products: products with medium and high risk, non-guaranteed capital, high principal risk, large income fluctuation and high loss probability, such as stock funds and private equity funds.
5.R5 radical products: high risk, non-guaranteed, high yield, high risk and high loss probability, such as futures.
Financial management is divided into five levels according to risks, and the risks from small to large are R 1-R5. If investors have less risk tolerance, they can choose financial products with risk level R2 or below; if investors have higher risk tolerance, they can choose financial products with risk level R3 or above.