R4 risk level means that the risk level of wealth management products is medium or high. There is no guarantee that the principal will not be lost, and the income will fluctuate greatly. Investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors. For example, some funds and stock investments in ordinary investments belong to R4-level wealth management.

Investors of R4 wealth management products usually have aggressive or above risk assessment level, and need certain anti-risk ability.