There are five risk levels of fund products, namely, low-risk cautious products (R 1), moderate and low-risk stable products (R2), moderate and high-risk balanced products (R3), moderate and high-risk enterprising products (R4) and high-risk radical products (R5), which are mainly defined according to 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 risk level of the medium risk is higher than that of the medium and low risk, and the return is also higher than that of the medium and low risk. In addition, the investment scope of the two risk-rated funds is different. 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. Low-risk funds mainly invest in low-volatility financial products such as bonds and interbank deposits.