At one time, some wealth management projects of banks were still rigid redemption, but at present, major banks have completely broken the rigid redemption of wealth management products. Because since financial management is timely, there will be risks, and it is impossible to guarantee stable profits for free. Specific risks must also be borne by investors themselves, and banks are only entrusted with management and are not responsible for profits and losses.
In other words, the wealth management bought in the bank is, in the final analysis, the nature of wealth management, which is definitely risky, and the possibility of loss of principal is definitely there. But relatively speaking, the risk of bank financing is relatively less than other channels in the financial market.
There are many financial management projects of banks, which also cover many risk levels, and the probability of principal loss of different levels is different.
1, prudent financial products
The bank's wealth management products will definitely be marked with the category after the product name. Those wealth management projects marked with R 1 are low-risk products. These products have the lowest risk, almost guaranteed capital, good liquidity and can be redeemed at any time. Its investment assets are mainly monetary instruments, bonds, interbank deposit certificates, trust plans or other financial assets. Generally speaking, you will not choose stock assets, so you will not be affected by market turmoil. In the final analysis, the probability of principal loss is very small.
2. Sound financial products:
Generally speaking, the name of this product will be marked with R2, which is a low-risk financial management project. They are not guaranteed financial management, and their investment scope is similar to R 1, but in terms of income, they belong to floating income. There are many insurance financing funds, which belong to this category. Usually, the closed period is very short, such as 28 days or 60 days. Although it is not guaranteed, the risk is basically controllable. If you are willing to hold it for a long time, it is basically a positive return.
3. Balanced wealth management products
Such products, usually marked with R3 after their names, belong to medium-risk financial management. Medium-risk financial management projects do not guarantee the repayment of the principal, and there is a certain principal risk because of the volatility of their investment projects. Simply put, the income is floating, accompanied by a certain risk of principal loss. The reason for the obvious fluctuation is that the assets it invests in include not only fixed income assets, but also equity assets (stocks, commodities, foreign exchange) and financial derivatives. Of course, the final proportion of financial derivatives usually does not exceed 30%.
4. Radical financial products
Aggressive wealth management products belong to R4 category, that is, medium and high-risk wealth management projects. It also does not guarantee the payment of the principal, the income fluctuates relatively more, and the probability of principal loss is greater than that of previous financial projects. This is mainly because the assets it invests in fluctuate greatly, such as stocks, gold, foreign exchange, etc., and the proportion of these assets is still relatively high.
5. Aggressive wealth management products
This kind of wealth management products are R5 high-risk wealth management products, usually stock products. Its principal risk is extremely high and its income fluctuates greatly. It mainly invests in volatile assets, and can also be traded through derivatives or leverage, so it will be easily affected by market fluctuations or policy adjustments. If there is a loss, the degree of principal loss is quite large.
Generally speaking, buying wealth management products in banks is definitely risky. When investing, the higher the risk level of the wealth management project we choose, the greater the possibility of principal loss.