Fortune 1 Plan 1 is an explosive regular wealth management product in Jingdong Finance. In addition to the financial management period of only 33 days, the expected return of the performance benchmark is also very attractive. So, is wealth 1 planned 1 month risky? In fact, the risk of the product is determined by the investment direction of the product, so this time we mainly analyze the risk of the product from the investment direction.

1. Investment direction: fixed expected return assets.

Risk: low

Wealth 1 plan 1 can be mainly used to invest in national bonds, local government bonds, government-supported institutional bonds, financial bonds, subordinated debts, central bank bills, corporate bonds or projects allowed by the CSRC. Unless the government and enterprises go bankrupt, these projects are unlikely to lose money.

2. Investment direction: cash assets.

Risk: low

Cash assets include cash and cash equivalents, bank deposits (including agreement deposits, call deposits, time deposits), interbank deposit certificates, money market funds, etc. You can see that the security of such assets is actually very high, especially cash and deposits, and there is basically no possibility of loss, so the risk in this investment direction is not high.

3. Investment direction: Treasury bond futures.

Risk: medium to low

The investment risk of treasury bond futures is slightly higher than the above two kinds, but the expected return is obviously better than the above two kinds. You can understand that if you put all your investments in low-risk and low-expected-return investment projects, then the expected-return of products can't be improved. Therefore, the investment risk of this investment direction is low.

4. Investment direction: securities are being repurchased.

Risk: medium to low

Securities repurchase is a mortgage bond, and the integration of funds will enable the asset management plan to obtain more funds under a certain scale, which will impact higher expected returns. However, this operation has certain risks, so it is stipulated that the balance included in the fund shall not exceed 40% of the net asset value of the collective plan.

According to the risk assessment of four investment directions, Wealth 1 Plan 1 finally locates low-risk wealth management products. This product does not break even, does not guarantee a certain profit, and has no past performance for your inquiry. So whether to invest or not, please decide according to the actual situation.