Steady investors are risk-neutral, have a certain risk tolerance, hope to get a more stable return on investment, and do not pursue short-term profits! Relatively speaking, it won't take too much risk!

What does financial stability mean? 0

Many wealth management products are self-proclaimed as "stable" wealth management products, and investors also think that such wealth management products are reliable, low risk and high income, so they are highly sought after. However, at present, many wealth management products, "voice" is only the slogan of publicity and sales. Steady does not mean capital preservation, but there will still be great risks. To this end, the financial planner summed up three major risks that must be guarded against for sound financial management products.

Capital risk

Wealth management products are very important for the investment of raised funds, which determines the safety of funds and whether they can obtain expected returns. Jiafeng Ruide financial planner introduced that if the funds of wealth management products are invested in the stock market and the property market, it means that the products are risky; On the other hand, if it is investment in government bonds, agreement deposits, etc. , the risk is relatively small. Generally speaking, if the funds are scattered and the investment is safe, the borrower's qualification is good, which can reduce the risk. Most of the instructions of wealth management products will introduce the flow of funds, so you should check them carefully when buying.

Income risk

Wealth management products promise expected returns when they are issued, but investors may get high returns or negative returns after they expire, which is the income risk of wealth management products. For some wealth management products that are not guaranteed, investors may lose money when they expire; For capital-guaranteed wealth management products, investors may only get lower returns, which may even be lower than bank demand deposits.

Redemption risk

There is also the question of whether wealth management products can be paid as scheduled after expiration. For example, in the next May, 500 billion trust products will be paid centrally, and the industry is very worried about whether it can be paid as scheduled. Previously, some trust products could not be redeemed within the time limit. Later, although there were governments and institutions at the bottom, it still reflected the redemption risk of trust wealth management products. Actually, it's not just a trust product. Monetary funds such as Yu 'ebao were once worried about whether there would be a risk of insufficient funds when faced with centralized payment.