bills, bonds and currencies are the real low risks

Recently, due to strict management, there are fewer bank wealth management products, and most of them are sold in bills, bonds and money markets with low expected returns. Although it does not promise capital preservation, it is suitable for most investors.

it should be noted that there is little difference between the expected rate of return and related products from other channels. Carefully choose structured products

The expected rate of return of structured products is an interval, which can be divided into capital preservation type, guaranteed minimum income type and non-capital preservation type. These products often have a higher maximum expected rate of return, but the minimum expected rate of return is different.

There are many linked targets for structured products. The main linked products sold in China are stocks, exchange rates, funds, interest rates, commodities, credit, indexes and their combinations. You should try your best to choose the linked products you are familiar with, otherwise you may wish to avoid structured products. History has proved that many structured products have the possibility of obtaining only the expected lowest rate of return.

most structured products are capital preservation, some products are 1% capital preservation, and some are partial capital preservation, for example, 95% or 9% of principal is guaranteed. If it is a product with 1% guaranteed principal, the worst case when it expires is zero income, but it will not lose the principal. Don't pay too much attention to the fluctuation of net worth products

After the supervision of wealth management products has become stricter, there are more and more "funded" wealth management products with clear product investment, based on the return of real investment assets and distributed by net worth. Similar to buying fund products, investors who buy net worth wealth management products will face more uncertainties, and may not only enjoy higher returns, but also suffer greater losses.

from the perspective of risk and return, this is the biggest fluctuation among bank wealth management products, so the management fee of products is generally linked to performance, and the requirements for investors are relatively high. Read the financial product manual carefully

Everything you buy depends on the product manual, and the most important thing for financial products is the risk.

for example, if you buy a product that is sold by a bank, you should see if it is clearly written in the contract. For example, if you buy a product with a capital preservation ratio of 95%, you must see if there is any indication in the contract.

There is something fishy about bank financing. Some products have high handling fees or management fees. You should also consult the salesman about the expenses when purchasing. Keep in mind that risk rating

According to the regulations of the regulatory authorities, products with different risk ratings can only be sold to investors with corresponding ratings or above. Because there is no uniform regulation on the risk grade of wealth management products, banks have adopted different symbols for the risk grade of wealth management products.

the risk level is generally set according to different factors such as the investment scope, risk-return characteristics and liquidity of wealth management products. Including: cautious products (R1), stable products (R2), balanced products (R3), enterprising products (R4) and radical products (R5)

R1 and R2: the investment scope is basically the same, mostly inter-bank market, exchange market bonds, capital lending, trust plans and other financial assets. Generally speaking, R1-level investment has a higher proportion of low-risk parts, and usually has a capital preservation clause, which is the common "capital preservation and income protection" or "capital preservation and floating income" products.

R3 level: products of this level can be invested in high-volatility financial products such as stocks, commodities and foreign exchange in addition to low-volatility financial products such as bonds and interbank deposits, and the investment ratio of the latter should not exceed 3% in principle. This level does not guarantee the repayment of the principal, and there is a certain principal risk. The principal guarantee ratio of structured products is generally above 9%, and the income fluctuates and fluctuates to some extent.

R4 level: the proportion of products linked to highly volatile financial products such as stocks, gold and foreign exchange at this level can exceed 3%, and repayment of principal is not guaranteed, so the principal risk is high, the income fluctuates and fluctuates greatly, and the investment is easily affected by risk factors such as market fluctuations and changes in policies and regulations, and the possibility of loss is high.

grade p>R5: the products of this grade can be fully invested in various high-volatility financial products such as stocks, foreign exchange and gold, and can be invested and operated by means of derivative transactions, stratification and other leverage amplification. The principal risk is extremely high, and the income fluctuates greatly, so the investment is more susceptible to market fluctuations and changes in policies and regulations, and of course, the corresponding expected return will be higher. There is also a simple way to judge whether there is "stock" in the product portfolio, and if there is a risk level of at least R3.