First of all, I can tell you for sure that no matter what kind of bank wealth management products, there are certain risks, just depending on how big or small the risks are.
In order to make customers fully aware of the potential risks of wealth management products, the regulatory authorities asked banks to break the new exchange several years ago. The newly issued wealth management products can't promise customers to protect capital and interest, but let users fully realize the possible risks of the products.
This means that all bank wealth management products will have certain risks at present, just depending on whether the risks are big or small.
When people buy wealth management products, banks usually let them conduct risk tests and then recommend appropriate wealth management products according to their risk ratings.
Judging from the actual situation of wealth management products of major banks at present, different risk levels are divided into R 1 to R5.
Among them, R 1 belongs to low risk, R2 belongs to medium and low risk, R3 belongs to medium risk, R4 belongs to medium and high risk, and R5 belongs to high risk.
Although the wealth management products of R 1 have some risks, from the actual situation, they can basically be taken back with interest, and there will be no risks.
Because the investment targets of R 1 products are generally fixed-income investment products, such as interbank deposits, central bank bills, government bonds and so on. , high security.
In addition, for R2, although there are certain risks, judging from the historical product performance of major banks, the real risk leads to a small probability that the customer's wealth management funds will not be recovered.
For wealth management products above R3, the potential risk is relatively large, which may not only lead to zero income, but also the loss of principal, because the investment targets of these wealth management products are relatively risky projects.
Especially for R4 and R5, the risk is greater. For example, many R5 wealth management products invest in stocks, funds, foreign exchange and precious metals. These wealth management products are highly volatile, and you may get high returns, but you may also lose a lot of principal.
In short, all wealth management products are risky, but being risky does not mean that you can't buy them.
Judging from the actual performance of wealth management products of major banks, those low-risk wealth management products are relatively safe, especially R 1.
If you have a certain risk tolerance, but don't want to take too high risks, it is very good to choose this R 1 wealth management product. The annualized income of this R 1 wealth management product is about 3.5%~4.5%, and the term is generally about one year, which is significantly higher than the bank deposit interest rate.
Judging from the actual performance of major banks, wealth management products like R 1 are actually very safe, so you can buy them with confidence.
However, for those wealth management products above R3, if you have less than 200,000 disposable funds and your own income is relatively low, for example, your monthly income is less than 8,000 yuan, then I don't recommend you to touch these wealth management products easily.
In short, there is no standard answer to whether wealth management products can be purchased. The existence of any wealth management product has its market space and its specific customer groups.