It should be noted that 2r-level wealth management is not a product with guaranteed income, and it is possible to lose the principal, which shall be borne by the investors themselves. If investors can't take any risks, they can choose time deposits, which are products that protect capital and income.
The risk ratings of bank wealth management products are generally divided into PR 1 (cautious), PR2 (prudent), PR3 (balanced), PR4 (aggressive) and PR5 (aggressive); When investing, the risks increase in turn, but the benefits to users also increase. Users can choose the one that suits them according to their own strength. Users should not blindly pursue high returns when choosing wealth management products. After all, high income means high risk, and losses may occur at any time. When investing, you must consider your own risk tolerance, and at the same time, you should read the agreement carefully when buying and know which assets you have invested.
Generally, the wealth management products launched by banks will have a closed period, during which they cannot be redeemed, and can only be redeemed after the expiration. At this time, in order to avoid redemption in the middle, you must use your own spare money for financial management, and it is best to compare the products launched by different banks and choose the one that suits you best.
Tips for getting started with financial management:
1. Safety is the premise of income: a mistake that many wealth managers easily make at first is to see high income but not high risk. Generally speaking, high returns are accompanied by high risks, so before choosing financial management, you must understand the characteristics and risk degree of financial products and have a general understanding before investing.
2. When investing, don't concentrate on investing. Diversified investment is safer: many small white novices take a fancy to a fund, such as a stock fund, and watch others buy it and make a profit. After observing for some time, it is true that the fund is still rising at a relatively high level, so he may invest a large sum of money at one time. When the fund market situation is not good, it will fall. If he concentrates on investing in the same fund, he will lose a lot.
If you diversify into multiple funds, it is very likely that this fund will fall and that fund will rise, and it may not always lose a lot.
3. Learn to reduce the expected return: There is a saying that without great hope, you will not be disappointed. Therefore, when investing in financial management, we must first have a good attitude, and then learn to reduce the expected return and be more rational when investing, so that we can relax our attitude appropriately and it is often easier to achieve the average return as the investment goal.
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