According to the back calculation of cash flow, the deposit is about 3.07 million yuan. In fact, any investment is risky, and bank wealth management products give different risk levels according to different investment directions. Wealth management products are divided into five risk levels: low-risk, medium-low-risk, medium-risk, medium-high-risk and high-risk, which are generally marked with R 1, R2, R3, R4 and R5. The corresponding investor grades are also divided into cautious, steady, balanced, enterprising and radical. Risk-averse investors can buy bank wealth management products below R2, while wealth management products above R3 have certain investment risks, and the risks should be borne by themselves. Pay attention to the purchase of wealth management products: whether the purchase platform is formal; The risk level of the purchased wealth management products, the investment strategy of the wealth management products, and the way to collect the principal and income after the product is redeemed or expired.

1. You must go to formal channels and platforms to purchase wealth management. These platforms are all supervised by the state. If you are worried about the safety of funds, it is recommended to go to the bank to buy them. Bank products may not be guaranteed, but there will be no escape.

2. Check the product manual and the announcement of fund-raising, and understand the scope and destination of capital investment and the risk level of the product. According to the investor's suitability management requirements, the personal risk level is classified as R 1-R5, and the product level is classified as C 1-C5. The fund to be matched should be selected according to the risk tolerance.

3. Pay attention to high-risk products. Some wealth management products have high expected income, but the expected income does not represent the actual income.

4. It is necessary to pay attention to whether the funds will continue to operate or automatically arrive after the expiration of the wealth management products. We can fully invest in high-volatility financial products such as stocks, foreign exchange and gold, and we can use derivative transactions, stratification and other leverage amplification methods to conduct investment operations. The principal risk is extremely high, and the income fluctuates greatly, and the corresponding expected income will be higher, which is suitable for radical investors.

If you want to manage money, the premise is that you have saved a certain amount of savings, and then you can choose a wealth management product that suits your situation. Beginners are advised to start with capital preservation wealth management products with low risk level and choose treasury bonds, reliable money funds or deposit products. Before managing money, you must evaluate your risk tolerance and remember that "the higher the income, the greater the risk".