Investment is risky and financial management needs to be cautious. However, in the process of financial management, many investors find that financial products have corresponding risk levels. Risk grade * * * is divided into five grades, in which R 1 is cautious (low risk), R2 is steady (medium and low risk), R3 is balanced (medium risk), R4 is aggressive (medium and high risk) and R5 is aggressive (high risk).
Relatively speaking, low-risk products are the main products of popular investment and financial management. R3-level wealth management products have moderate risks, increased fluctuations in expected returns and increased failure probability, which are relatively suitable for balanced investors.
1, what do you mean by medium and low risk? Medium and low risk refers to R2-level risk wealth management products (this level of wealth management products also has different names, such as low-risk wealth management products, secondary risk wealth management products, R2-level risk products, etc.). ).
Its inherent meaning is that floating income is not guaranteed, but the probability of loss of principal is small, and the probability of failure of income is also small. The matching crowd is relatively wide, suitable for investors such as stable, balanced, enterprising and radical. Suitable for public finance.
2. Is 2.R3 a medium risk? The recovery is very obvious, yes. This kind of products pay attention to both safety and profitability, and strive for a balance between them. The inherent meaning of this product is that the non-guaranteed floating income may lead to the loss of principal or expected income, and it is impossible to achieve large fluctuations. He is more suitable for balanced investors.
In the case of relative safety, the pursuit of income. Be cautious in purchasing wealth management products on some wealth management platforms, be sure to identify the legitimacy and security of the platforms, and be sure to purchase wealth management products that suit your risk preference.
The bank account manager said that the financial risk assessment level is divided into five levels: low risk, medium low risk, medium risk, medium high risk and high risk, and the corresponding signs are R 1, R2, R3, R4 and R5.
The risk preference of each grade is as follows: R 1 grade corresponds to cautious risk preference-low risk; R2 level corresponds to a stable risk preference-medium and low risk; R3 corresponds to a balanced risk preference-medium risk; R4 level corresponds to aggressive risk preference-medium and high risk; R5 level corresponds to aggressive risk preference-high risk.