There will be a symbol indicating the risk level in the introduction of bank wealth management products, and different symbols represent different risk levels.
Generally speaking, the wealth management products of banks are divided into five risk levels, namely, robust product R 1, robust product R2, balanced product R3, aggressive product R4 and radical product R5, with risk coefficients from left to right and from low to high.
We generally regard prudent and steady products as low-risk financial products.
Robust products mean that the risk of principal loss is very small and there is almost no risk. Aggressive products mean that there may be a risk of serious loss of principal, but at the same time it may also achieve high returns. Cautious and radical products are two extremes in several types of products.
Robust wealth management products are suitable for 99% investors, because there is almost no risk of loss of principal. The stable financial products that can be bought in banks mainly include government bonds, bank deposits, entrusted financial management and money funds.
Among them, the most common are bank deposits and money funds. Bank deposit products can be divided into time deposits, large deposit certificates and smart deposits. Different banks have different deposit interest rates within a certain range. The interest rate of small banks will be higher.
Aggressive wealth management is also a non-guaranteed floating wealth management product. Because the risk of principal loss is relatively high, investors should be prepared not to make money or lose money if they want to participate in such wealth management products.
Aggressive financial products that can be bought through banks mainly include stocks, futures, gold, foreign exchange, and some leveraged investment methods.