2. The insufficient risk level of purchasing wealth management means that the risk assessment level of investors does not match the risk level of wealth management products. In this case, it is impossible to buy. For example, if the investor's risk assessment level is R2, the investor can only buy products with a risk level of R2 and below. At present, the risk level of financial management is Grade 5, R 1-R5, and the risk assessment of investors is Grade 5, C 1-C5. Investors can only buy products with matching grades.

3. After evaluating your risk tolerance, the bank determines your risk tolerance level and chooses financial products according to this level. If you want to choose a wealth management product that is higher than your risk tolerance level, you will be prompted that the risk does not match, that is, you cannot buy it.

4. The financial risk assessment is divided into five levels: R 1, R2, R3, R4 and R5.

R 1 (cautious) low-risk category, capital preservation, zero loss probability. Products include treasury bonds, deposit products and capital preservation and wealth management.

R2-level (robust) low-risk category, non-principal-guaranteed, and the loss probability is close to zero, such as bank current wealth management, most bank wealth management and other wealth management products.

R3 (balanced) medium risk category, non-principal-guaranteed, fluctuating income and low loss probability. Products include bonds and hybrid funds.

R4 (aggressive) belongs to the medium-high risk category, which is not guaranteed, with high principal risk, large income fluctuation and high loss probability. There are equity funds, private equity funds, trust products and other wealth management products.

R5 (radical) high-risk category, non-principal-guaranteed, with high principal risk, high income, high risk and high loss probability, with leveraged products such as futures.

1. There are also various bank wealth management products, including self-operated products and consignment products. Self-managed wealth management products are managed and sold by banks themselves, usually in the range of low and medium risks, suitable for a wide range of people, with moderate risk level, formal and credible, and can be purchased with small funds. The bank is not responsible for the payment of consignment products. Investors need to know what the basic assets of the products they buy are, what the risk level is, and be wary of the flying orders of financial managers.

Generally, the fixed-income products that everyone can buy are basically low-risk R 1 and medium-low-risk R2. Behind the national debt is national credit; The bottom of deposit product is deposit, so it is guaranteed by deposit insurance system (payment within 500,000 yuan).

2. If you think that R2 is riskier than R 1, R2 can't buy it. Then I think you can give up financial management-this is not burying people. If R2 can't accept it, then there is really nothing to buy. Basically, say goodbye to financial management and put it in the bank. At present, the deposit interest rate is 0.35% and the annual inflation rate is 7-8%. You can use your calculator to calculate how much money you have now and how much you will lose in a year.