The Measures for the Administration of the Sales of Wealth Management Products of Commercial Banks stipulates that commercial banks should evaluate the risk tolerance of customers and determine the risk tolerance rating of customers, which includes at least five grades from low to high, and can be further subdivided according to the actual situation.
Each bank marks these five levels in different ways, and there are six common ones: level 1 to level 5; 1 to 5; R 1 to r5; PR 1 to PR5 from one to five stars; From a to e, the risk increases from low to high. The types of these five products are: cautious, steady, balanced, enterprising and radical.
Caution: under the level of caution, it is generally a capital preservation wealth management product. This kind of products mainly invest in low-risk financial products such as high-credit bonds and money markets, and are less affected by risk factors such as market fluctuations and changes in policies and regulations.
Robust: Most of them are non-guaranteed wealth management products, including some guaranteed floating income wealth management products. This kind of product does not guarantee the exchange of this diamond, but the risk is relatively small and the fluctuation of income is relatively controllable. This kind of products mainly invest in low-volatility financial products such as bonds and interbank deposits, and strictly control the investment proportion of high-volatility financial products such as stocks, commodities and foreign exchange.
Balanced type: from this perspective, most products no longer guarantee the exchange of local gold, and the income fluctuates and fluctuates. Such products can be invested in low-volatility financial products such as bonds and interbank deposits, as well as high-volatility financial products such as stocks, commodities and foreign exchange, but the proportion shall not exceed 30% in principle.
Aggressive type: similar to balanced type, the biggest difference is that the investment ratio of high-volatility financial products such as stocks, commodities and foreign exchange can exceed 30%.
Aggressive: The principal risk of this level of wealth management products is extremely high, the income fluctuates greatly, and the investment is vulnerable to market fluctuations, changes in policies and regulations and other risk factors. Such products can be fully invested in various highly volatile financial products such as stocks, foreign exchange and commodities. , and you can invest and operate through leverage amplification such as derivative transactions and stratification. The quantity of this product is very small.
To sum up, the risk classification of bank wealth management products is the most rigorous and complete among all kinds of wealth management products. Investors can read the product manual carefully before buying, and don't blindly believe the recommendation of the bank wealth management product manager.
Internet financial management: The situation is complicated and varies from platform to platform.
? This product does not promise capital preservation and minimum income, and the investment risk of the product is borne by the insured. ?
Does this seem obvious? High risk? Description, corresponding to a risk level? Medium? Internet financial products. Then the problem is coming. How to judge the low, medium and high risks in Internet financial products?
Taking platforms such as Ant Wealth, Tencent Licaitong, Baidu Wealth Management and Weizhong Bank as examples, I summarized the risk division rules of Internet wealth management products.
First of all, judging risks in theory depends on the platform. However, it is of little significance to guide investment behavior. In particular, most investors only choose big platforms. The investment platform is already the leading boss in the industry, and they are most qualified to say that their risk control is reliable. If investors are not at ease, they have to be at ease, otherwise they can only simply not vote.
Specific to investment projects and judging risks, we need to look at the investment field carefully. At the same time, the same name may mean different risk levels on different platforms.
Different platforms? Regular financial management? There is a big difference
? Regular financial management? According to the terminology, it gives less hints about risks and product types. Rong 360 I found that the risks of regular wealth management products on different platforms are very different.
Baidu Baiyi manages money on a regular basis. The product type is the transfer of the income right of financial assets. The risk level is not clearly stated, although it is marked? The product is invested in the income right of financial assets, which is a low-risk asset such as high-quality creditor's rights that meets the regulatory requirements. ? But also in the risk warning letter bold statement? This project has investment risks. If the principal and income are not guaranteed, under special circumstances, all the principal and income may be lost due to market changes. ? The yield of this product is basically above 5%.
And Tencent Wealth Management's regular wealth management products are clearly priced:? Regular financial management is a flat-bottomed risk, which is basically consistent with the cargo base in terms of investment target and investment scope. Its expected risk level is higher than that of money funds, and lower than that of hybrid funds, stock funds and ordinary bond funds. ? The yield of such products basically does not exceed 2.7%.
It can be seen that if the risk level of Licaitong's regular financial management is set to Baidu's regular financial management, it is considered that you bought a' low-risk product, and the income doubled, and the hidden dangers can be imagined.
Rong 360, I think, grab it? Investment projects? With this key information, it is not difficult to understand the difference between the benefits and risks of the two.
There are more kinds of regular financial products of Ant Wealth, which are divided into three categories: short-term financial management, medium-term financial management and medium-and long-term financial management. The income is between 3.2% and 4.2%, and the specific risk level can basically be grasped by referring to investment projects.
Insurance financing: flexible acquisition, medium risk
Weizhong Bank's famous annualized income of 5%? Regular financial management? It is an insurance wealth management product. What is the risk level given by the platform? Lower? . However, Rong 360 also found Weizhong Bank on the platform? Current account+? And then what? Short term+? The risk level is not clearly stated, so it is difficult to find a reference standard to explain this more vividly? Lower? .
However, the product clearly States? The minimum guaranteed interest rate is 3.5% per annum, and the part where the settlement interest rate exceeds the minimum guaranteed interest rate is uncertain? . 5% yield, although claimed to be only past income, does not represent future performance, but it may still make investors afraid of risks. However, the figure of 3.5% is more acceptable.
The insurance wealth management products on Tencent's wealth management platform cover universal insurance, investment-linked insurance, dividend insurance, pension insurance and other insurance products, and the yield is basically at the level of 3.5%. When introducing insurance wealth management products, wealth management said: At present, the investment-linked insurance and pension products provided by the financial platform have wide investment scope, stable expected rate of return and higher risks than money funds and regular financial management. ?
Rong 360 I think that among the wealth management products of the Internet financial platform, insurance wealth management can generally be positioned as: medium income and medium risk.
By the way, friendly reminder, buying insurance for financial management is different from buying insurance, and many products can be accessed flexibly. Investors who are limited by insurance mentality and worried about flexibility may wish to make a bold attempt.
Funds and index funds: high risk and high return.
Ant financial service is on sale? Chicken nest? I have always enjoyed it, and the entrance to buy funds is everywhere. In addition, fund products are also from various Internet financial platforms? Standard? . There are many kinds of fund products, and it can be said that their risks and returns are the highest level on the platform.
Tencent's financial management is special? Index fund? Investment products, product introductions and index funds refer to fund products operated by fund companies and tracked by specific indexes, usually? Index goes up, fund goes up, index goes down, fund goes down? . Index funds are high-risk products, and investment may lose money. Platform marking? High risk level? .
Investment funds involve extensive and complex professional knowledge, but the operation mode is greatly simplified. On the Internet platform, investors can choose their own funds or make fixed investment, but the convenient operation experience may lead to blind investment and impulsive investment. Rong 360 I still suggest that investors should master certain knowledge of fund investment before investing on a large scale, starting from pure debt funds with less risk and gradually transitioning to mixed base and stock base.
P2P: If there is no accident, the principal and interest will be guaranteed. If an accident happens, it will be a great event.
P2P is a high-risk investment project. No accidents? Guaranteed capital and interest? The accident is a great event. It is never news that the platform runs and loses money. Therefore, investors need to pay special attention to the selection of P2P platform.
During the inspection, we should pay attention to the business model and risk control system of P2P platform, understand whether the information disclosure of P2P platform to borrowers is sufficient and transparent, and pay attention to the purpose of borrowing and the credit status, operation status and profitability of borrowers. Be wary of platforms with high yields.
Besides, in many ways, superstition? A big platform makes sense. Many problems, put on a small platform, will lead to great disaster, put on a big platform, but it is harmless. Of course, there are also platforms that are small and beautiful or big and unsuitable. What I said is only a general situation, not an absolute concept.
In view of the high risk of P2P, I suggest that investors diversify their investment in P2P and diversify their risks.
Minimalist information, one-click purchase, rate of return and risk level are abstracted into several words: high, medium and low. Obviously, more and more online wealth management products are trying to cater to investors. Lazy? Psychology.