At present, Alipay can only sell some fund products on a commission basis. There are no fixed-term wealth management products of banks, and some insurance companies' wealth management products are also being removed one after another. Most of the wealth management products sold by some brokers are bond funds.
The so-called stable wealth management products are relatively low-risk wealth management products.
Although the interest rate of stable wealth management products is relatively low, its risk is also low, so it is still favored by many investors.
At present, in many wealth management products, "stability" is just a propaganda slogan. Steady does not mean capital preservation, but there will still be great risks.
According to the requirements of investors' appropriate management, the regulatory authorities divide the products into five grades, namely C 1-C5. Among them, robust financial products refer to low-risk non-guaranteed financial management, and investors who can buy robust financial products can only be investors above R2 level.
R 1 stable: low-risk, capital-guaranteed financial management, such as money funds and capital-guaranteed bond funds. This kind of investment is suitable for investors with poor risk tolerance, and income is not the goal. The most important thing is to ensure the safety of the principal.
R2 robust type: low-to-medium-risk, non-guaranteed financial management, such as bond funds and partial debt funds. This kind of investment is suitable for investors who have certain risk tolerance and pursue stable income.
R3 balanced type: medium risk, floating income, such as index funds, hybrid funds, equity funds, etc. This kind of investment is not excessively risk-averse, nor will it risk pursuing returns.
R4 Aggressive: medium and high risk, such as stocks. This kind of investment is suitable for investors who pursue income and can bear certain losses.
R5 radical type: high risk, such as futures, options and other products. This kind of investment has almost no idea of capital preservation, and its purpose is to obtain huge profits and accept large losses.
There are two understandings of caution. One is that in the big environment, there is a high probability that the principal will not be lost and a certain income will be brought. The other is that there are certain risks, and within the tolerable range, considerable stable income can be received within a certain period of time. For those who pursue different prudence, there are different financial choices.
Stock debt mixture
Mutual fund is a kind of financial product which is a mixture of stocks and funds. The risk is lower than that of stocks, but the income is higher than that of funds, so the compatibility of risk tolerance is stronger. It is more reliable to buy such funds on dips, or you can choose to vote. In the long run, the income is stronger than the pension. If you are not a professional financial manager, you can buy an index fund first.