2.R3 level: This level of products can be invested not only in low-volatility financial products such as bonds and interbank deposits, but also in high-volatility financial products such as stocks, commodities and foreign exchange, with the investment ratio of the latter not exceeding 30% in principle. This level does not guarantee the repayment of the principal, and there is a certain principal risk. The principal guarantee rate of structured products is generally above 90%, and the income fluctuates to some extent.
3.R4 level: the proportion of highly volatile financial products linked to stocks, gold and foreign exchange at this level can exceed 30%, and the principal is not guaranteed to be repaid, so the principal risk is large, the income fluctuates greatly, and the investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors, and there is a greater possibility of losses.
4.R5 level: This level of products can be fully invested in high-volatility financial products such as stocks, foreign exchange and gold, and can be invested and operated through derivative transactions, stratification and other leverage amplification methods. The principal risk is extremely high and the income fluctuates greatly, so the investment is more vulnerable to market fluctuations and changes in policies and regulations, and of course the corresponding expected income will be higher.
There are five risk levels of fund products, and the order of risk from low to high is: cautious product R 1, stable product R2, balanced product R3, aggressive product R4 and radical product R5.