generally speaking, low-risk wealth management products do not guarantee the repayment of principal. However, the investment risk of this product is relatively small and the income is relatively stable. Low-risk wealth management products mainly invest in low-volatility products such as bonds and interbank deposits.

The medium risk does not guarantee the repayment of the principal, and its investment risk is high, the principal may be lost, and the income fluctuates greatly. Medium-risk wealth management products not only invest in bonds, interbank deposits and other products, but also invest in stocks, foreign exchange and other products with high volatility.

R2-rated wealth management products with medium and low risk do not guarantee repayment of principal, but the principal risk is relatively small and the fluctuation of income is relatively controllable. It mainly invests in low-volatility financial products such as bonds and interbank deposits.

A wealth management product with a middle risk of R3 does not guarantee the repayment of the principal, and it has certain principal risk, and the income fluctuates to some extent.

In addition to investing in low-volatility financial products such as bonds and interbank deposits, medium-risk financial products also invest in high-volatility financial products such as stocks and foreign exchange.

In fact, among so many wealth management products, banks divide their risks into five levels, namely, low risk is R1, medium and low risk is R2, medium risk is R3, medium and high risk is R4, and high risk is R5, and their risk types are cautious, steady, balanced, enterprising and radical respectively.

generally speaking, there is basically no principal risk in wealth management products with grades R1 and R2. Up to now, there has been no wealth management product with loss of principal in R1 and R2. However, if the risk level is above R3, the principal and income cannot be guaranteed.

that is to say, if you are cautious or steady, you can choose R1 and R2 wealth management products, but correspondingly, low-risk wealth management products tend to have lower risks and lower returns.

fund products have five risk levels, namely, low-risk cautious products (R1), moderate-low-risk stable products (R2), moderate-risk balanced products (R3), moderate-high-risk enterprising products (R4) and high-risk radical products (R5), which are mainly defined according to the fund investment projects.

The difference between the risks in the fund and the medium and low risks lies in the different risk levels, in which the medium risk is higher than the medium and low risk, and the return is that the medium risk is higher than the medium and low risk. In addition, the investment scope of the two risk levels of funds is different. The medium-risk funds mainly invest in low-volatility financial products such as bonds and interbank deposits, and high-volatility financial products such as stocks and foreign exchange. Medium and low-risk funds mainly invest in low-volatility financial products such as bonds and interbank deposits.