When it comes to wealth management products, you must know the risk level. According to the requirements of financial supervision, wealth management products are divided into five grades. The risk is divided into five levels from low to high: R 1 (cautious), R2 (steady), R3 (balanced), R4 (enterprising) and R5 (enterprising). When investing, you should choose financial products with appropriate risks according to your risk tolerance.

1. national debt: a bond issued by the state, which is a government bond issued by the central government to raise financial funds. It is a debt certificate issued by the central government to investors, promising to pay interest and repay the principal within a certain period of time. Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool.

2. Reverse repurchase of government bonds: short-term loans in essence. Individuals lend their own funds through the national debt repurchase market to obtain fixed interest income; The repurchase party, that is, the borrower obtains the loan with his own national debt as collateral, and repays the principal and interest after maturity. Because the pledge target is the national debt, the platform is supervised by the stock exchange, and there is no situation that the funds cannot be returned, so the security is super strong.

3. Deposit products: By depositing funds in the bank, investors can obtain the interest paid by the bank and the principal deposited by themselves, which are generally current, fixed and large deposit certificates. And there is a bank credit as a guarantee, so the security is high.

4. Income voucher: a security issued by a securities company with its own credit, which promises to pay interest within a certain period of time and repay the principal at maturity. It is divided into fixed income coupons (guaranteed income) and floating income coupons (guaranteed income does not bear interest), which is highly secure.

5. Capital preservation and financial management: Generally speaking, structured deposits are commonly used. Financial derivatives are embedded on the basis of deposits, which are linked to the fluctuations of interest rates, exchange rates, indexes, futures and other targets, so that depositors can obtain higher returns on the basis of taking certain risks. If the direction is judged correctly, the minimum return can be guaranteed.