According to the requirements of the new asset management regulations, financial products cannot promise to guarantee principal and interest, including bank financial products. Of course, not promising to guarantee principal and interest does not mean that financial management products are very "risky", nor does it mean that bank financial management is unreliable or risky. It mainly depends on the risk level of the product.

Bank financial management is mainly divided into five levels: R1 (cautious), R2 (sound), R3 (balanced), R4 (aggressive), R5 (aggressive).

R1 is a common low-risk financial investment product. The main investment channels are low-risk investments such as treasury bonds, insurance financial management, certificates of deposit, and bank financial management;

R2 is also a common The low- to medium-risk financial products are also the mainstream products of bank financial management in the market. They mainly invest in low-risk, medium-low-risk products such as treasury bonds, reverse repurchase, insurance financial management, certificates of deposit, bank financial management, currency funds, trusts, etc.;

R3 level, a common medium-risk financial product, adds corporate bonds and can also invest in a certain proportion of stocks, commodities, foreign exchange, etc. The proportion of funds invested in high-volatility investments should be less than 30%. Because there are high-volatility investment products, the principal may suffer a certain loss;

R4 level is a common medium-to-high risk level financial product. On top of R3-level investable products, the proportion of funds invested in high-volatility products can exceed 30%.

The R5 level is a high-risk financial product with no investment restrictions. You can even invest using leverage, grading, and derivatives.

Just choose the product that suits your income goals, risk appetite, and liquidity requirements.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy deposit insurance protection (according to the "Deposit Insurance Regulations": individuals' ordinary deposits in a single bank enjoy 100% compensation within 500,000) , the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (can be withdrawn in advance) and an interest rate higher than that of general deposits.

For details, you can search for "Duxiaoman Financial Management APP (formerly Baidu Financial Management) download link" in the application market or follow the "Duxiaoman Technology Service Account (duxiaomanlicai)" for detailed product information.

Investment is risky, so be careful when managing your finances!