All investors want to buy wealth management products with high expected returns and low risks, but the expected returns and risks are always in direct proportion. When choosing financial products, we can only find a more suitable balance between expected income and risk. So how to judge the risk level of wealth management products?

First, how to judge the risk level of wealth management products

There are many channels to buy wealth management products. Generally, before purchasing wealth management products for the first time, investors are required to conduct risk assessment based on information such as annual household income and disposable financial assets, among which the risk rating of bank wealth management products is the most stringent.

Bank wealth management products are divided into five risk levels: PR 1 level (cautious), low risk and guaranteed expected return; PR2 (robust), medium and low risk, non-guaranteed expected return; PR3 (balanced), medium risk, non-guaranteed expected return; PR4 (aggressive), medium and high risk, non-guaranteed expected return; PR5 (aggressive), high-risk, non-guaranteed expected return.

Bank wealth management products will clearly indicate the risk level of the product in the product description, and third-party wealth management platforms will usually indicate the risk level on the product information page. Like "JD. COM Xiaojin Village "clearly indicates that it is a medium and low risk in Jingdong Finance. Investors can generally only buy products with the same or lower risk tolerance.

Second, the risk analysis of various wealth management products

1, bank deposits, money funds, treasury bonds and other wealth management products are all low-risk products, and the probability of principal loss is extremely small or even zero.

2. Most bank wealth management products, bond funds, index funds and other products are low-risk products. Although the principal is not guaranteed, the principal risk is relatively small and the fluctuation range of expected income is relatively limited.

3. Private equity funds, trust products, stocks, futures and other products are mostly high-risk or high-risk products. Not only the expected income fluctuates greatly, but also the risk of principal loss is great.

The above content about how to judge the risk level of wealth management products, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.