The topic is as follows:
1. Your annual household income:
Answer: Under 50,000. B, 50,000-200,000 yuan. c，20-50。 d，50- 100。 E, 1 ten thousand yuan.
2. Your investment purpose:
1. Children's education expenses and retirement plans. B, personal goals (such as buying a house or a car) C, wealth preservation and appreciation.
3. What is your expected rate of return on investment and financial management (attached: high return and high risk)
A. the interest rate is roughly the same as the bank deposit.
B: It's slightly higher than the time deposit rate.
C. Far exceeding the time deposit interest rate
4. How old are you?
a . 18—30b . 3 1—40c . 4 1—50d . 5 1—60e。 It's over 6 1 year old.
5. How much do you expect to spend on investment and financial management every month in the next five years?
A It is expected that the monthly investable amount will decrease in the future (such as retirement).
B: It is estimated that the monthly investment in the future will be roughly the same as it is now.
C It is estimated that the monthly investable amount will be higher in the future than it is now.
6. If you want to participate in investment and wealth management, what is the proportion of wealth management products (including funds, the same below) that you intend to purchase in your total personal assets?
A. 25%% 5%-50% lower than B. C.51%-75% D.75%
7. How long do you expect your investment goal to be achieved?
A, within one year b, 1-2 years c, 3-5 years d, more than 5 years.
8. Which of the following best describes your investment experience?
A. Limited experience: I have almost no other investment experience except deposits and national debt.
B. Moderate experience: I have some investment experience, but I hope to get further help from professionals.
C. Experienced: I am an active and experienced investor and hope to make my own investment decision.
9. Which of the following best suits your investment style?
A. Risk-free: I don't want the principal to take risks.
B. conservative: I hope to invest conservatively, and the return is higher than that of time deposits.
C. Steady: I hope to seek higher capital return and growth in a balanced investment way.
D. enterprising: I hope to earn high returns and can accept negative fluctuations for a long time, including the loss of principal.
10. What's your reaction when the value of the investment and wealth management products you buy shows negative returns?
A. obvious anxiety B. mild anxiety C. acceptable D. it doesn't matter
1 1. The fluctuation range of your acceptable value.
A. be able to bear losses of more than 50% of the principal.
B. can bear the loss of 20-50% of the principal.
C. It can bear the loss within 10% of the principal.
D. If you can't bear the loss of principal, you can solve it on the spot except for the defects that have been found.
12. Have you fully understood the type, risk, term, income calculation method and early termination of the agreement of the wealth management products to be purchased? A, yes, b, no.
13. For non-guaranteed wealth management products, the bank does not promise to guarantee the principal security. You may recover the principal when the product expires, and get higher income, or you may have no income at all, and you cannot recover all the principal. Do you understand and accept the above situation?
A, it's B, it's not.
14. Investing in overseas wealth management products on behalf of customers may face exchange rate risks from the signing of the subscription agreement to the expiration of the products, and the principal may be lost as a result. Do you clearly understand and accept the above risks?
A, it's B, it's not.
15. Is there any redemption demand during the product holding period?
A, there is b, not sure c, no.
Supplementary information:
This is selected according to your investment needs. If you want to buy a wealth management interest rate, the higher the risk, so the level of risk assessment is different, which is required by the banking regulatory bureau. Buying financial management must be evaluated. You can choose to go higher, so you don't have to re-evaluate high-net-worth financial management in the future.
Extended data:
What is the rating of ICBC's financial risk assessment?
Key points of risk level
1: Different wealth management products have different risk assessments.
Even in China Industrial and Commercial Bank, in order to provide more product choices for many interested investors, there are great differences in product launch and design, and the methods and grades of risk assessment have the most direct relationship with the projects of wealth management products. It should be emphasized that there are a large number of investment risk assessment APP software on the market. If it can be used efficiently, as long as the information such as investment amount, estimated investment return rate and investment signing time are input into APP software, the grasp of later investment and financial management can also play the best role.
As for the risk assessment of ICBC's wealth management, by the way, many novice investors only pay attention to the return on investment when choosing wealth management products. In fact, this is a very wrong concept and idea. The higher the return on investment, the higher the risk of the product. The fundamental reason why many investors lost their money in the later period is also the result of investors' failure to do a good job in the early stage.
What is the rating of ICBC's financial risk assessment?
Key points of risk level
2. Investment funds.
Generally speaking, the longer the investment time, the longer the investment contract term, and the higher the product risk, which is why many investment and financial sharing posts have always emphasized that novice investors had better start with capital-guaranteed wealth management products with low investment.
Although the risk of bank wealth management products is lower than that of p2p wealth management platform, there are always risks, especially many uncontrollable factors, such as market exchange rate and so on. Therefore, if you want to really improve the return on investment, it is best to comprehensively improve your cognitive quality of the investment and wealth management industry.