1. What is CCB Financial Credit Suisse?
Jianxin Wealth Management Credit Suisse is a non-guaranteed floating income product of China Construction Bank, which belongs to a closed fixed-income net wealth management product. During the closed operation of CCB Financial Ruixin, CCB Financial Ruixin cannot be redeemed or open for subscription. Investors can subscribe for products during the product raising period, and can cancel the subscription during the product raising period.
Second, CCB Financial Credit Suisse is safe, but it is also a liquidity risk.
1 CCB Financial Credit Suisse has liquidity risk. After purchasing the product, investors have no right to terminate it in advance and cannot realize it at any time, so the risk of losing other investment opportunities will also increase.
2 Jianxin Wealth Management Credit Suisse has market risks, and its products are greatly affected by future market uncertainty. Liabilities lead to fluctuations in customers' income, and the income is zero. Even the unit net value of this product falls below the face value, and the principal is lost.
3 CCB Financial Credit Suisse has credit risk, and the debtor may default. If the debtor has a credit risk event, it will lead to a decline in the market value of related financial products.
4 CCB Financial Credit Suisse has risks such as policy risk, management risk, interest rate risk, inflation risk, early termination risk, delay risk and force majeure risk.
The risk of fund variety selection. Funds with different investment objectives have different investment risks. Income funds have the lowest investment risk, growth funds has the highest investment risk, and balanced funds are in the middle. From the investment object, the investment risk of bond funds is less than that of stock funds, and the investment risk of money funds is less than that of bond funds. Therefore, investors must have their own risk tolerance and choose the fund type that suits their financial situation and investment objectives. Otherwise, investors will face the risk brought by the fluctuation of the net value of such funds, and may not be able to obtain their own target investment income.