For wealth management products with R3 risk level, the income is not guaranteed and the loss probability is low. The main products include: a few bank wealth management, hybrid funds, trust products, etc.
When banks or other financial institutions buy wealth management products, they are often asked to make a risk assessment at the first time of purchase, and then launch suitable products according to the risk assessment. This is a requirement for prudent management of customers. Doing a good job in risk assessment is not only the requirement of the regulatory authorities, but also the responsibility of the customers themselves. It is very important to buy financial products that match the risk level.
Another thing to note is that with the increase of risk level, the expected return or potential return of products, such as futures and stocks, will be higher, and it is impossible to predict how much the return will be. Of course, the risks behind it will be greater and the losses will be greater.