The risk level of bank wealth management products is closely related to the principal guarantee and income level. Generally speaking, bank financing is divided into R 1 to R5 levels, and some banks are divided into one-star to five-star categories. R 1 stable, mainly investing in government bonds and deposits. , the principal is almost unaffected; R2 is stable, and the income is higher than R 1, but there is the possibility of principal loss. Generally speaking, R 1 and R2 have low risks and are suitable for low-risk people. Above R3, the higher the grade, the higher the income and the greater the possibility of loss.
Due to the continuous loss of purchased wealth management products, some anxious investors want to redeem and stop loss immediately. However, according to the different design of various products, many wealth management products have set a lock-up period, that is, users can apply for redemption appointment now and pay back the money after the investment cycle expires. In this case, some investors began to take the bank as the object of complaint, saying that the bank had huge losses in selling low-risk products, which was suspected of false propaganda. According to industry insiders, bank wealth management is not a deposit, but an asset management product in essence, and it should not and cannot be guaranteed. Investors should treat the fluctuation of product net value rationally. Then, bank wealth management products are no longer guaranteed, can they still be bought? The financial manager of China Construction Bank (5.990, 0. 12, 2.04%) Changsha Torch Road Sub-branch said that in the face of new changes, investors should bear in mind that the benefits and risks are directly proportional. If you can't bear any market risks at all, choose deposit products such as large deposit certificates and government bonds; If the risk appetite is low, you can choose to invest in fixed-income wealth management products in the money market and bond market; If the risk appetite is high, you can choose to invest in market equity wealth management products such as stocks and futures. In addition, when choosing wealth management products, investors need to focus on the time of purchase and redemption, the length of investment period and the degree of risk of the products, and do a good job of risk assessment and testing in advance to avoid buying wealth management products that do not match their affordability.