Fund is an important variety of our daily financial management. However, different funds have different risks and returns. Generally speaking, the degree of risk must be in direct proportion to the expected return. Before making any trading decisions, we need to know "high returns, high risks; Low return and low risk. " On this basis, we need to choose the fund products suitable for our financial management according to our risk tolerance and our expectation of income.

At present, domestic fund products can basically meet the financial needs of different groups of people. Generally speaking, the risk degree of money market funds is the lowest among all fund types. The risk of short-term debt funds and ordinary bond funds (pure debt-based) is higher than that of money funds, but lower than that of stock-related funds. The risk degree of hybrid funds is higher than that of debt-based funds, but lower than that of pure equity funds. The risk degree of stock funds is higher than all the above varieties, but theoretically lower than that of commodity-related fund products.

When we buy funds, we often see tips about the risks of the funds we buy in the purchase channels. Remind customers of the degree of risk, whether it is a third-party payment platform represented by a treasure or a traditional bank or brokerage purchase channel, it must be completed in compliance before the fund is sold. Therefore, we only need to carefully read the risk warning announcement in the risk description of relevant channels. Before buying fund products, we must carefully read the tips of fund risk level to ensure that we can bear the risks of the fund we buy.

In different sales channels, we will all encounter the risk testing link before buying funds. The risk assessment of customers is an important part of the fund's sales channel compliance work. Only when the customer's risk assessment score reaches a certain risk level can these sales channels sell fund products with corresponding risk types to customers.