Buying large wealth management products in the bank can give you a return of about 9 points. This risk is moderate, not particularly high. At least compared with stocks, the wealth management products offered by banks are much lower, which is relatively reliable, because all banks in China are registered and there are no private banks.

Bank wealth management products have no absolutely stable income except bank deposits and certificates of deposit. If you deposit 6,543,800 yuan in the bank, you can get a return of 3.5 points a year, which is stable. There is no such thing as change. Even if the market interest rate changes, even if the market situation changes, or something similar to inflation happens, your bank deposit income can still be guaranteed, because this risk is borne by the insurance company insured in the bank. It's none of your business, but other than that, there is no absolute stability risk that everyone has to bear.

Because the greater the risk, the greater the gain. Risks and benefits are always in direct proportion. How can you not want to take risks and want to get high returns? Under the same investment conditions, there can't be a way to kill two birds with one stone. It's almost impossible for you to take a small risk, and there is no loss in the liquidity of money, and then you and he can get a higher return, so this comes at a price. The risk of this investment and wealth management product of the bank is not so high, that is, it is similar to or even lower than that of a mixed fund with partial stocks.

This risk belongs to the medium type, because if you have done risk ranking, stocks are the highest, followed by partial stock mixed funds, and then ordinary pure debt funds. The risk of this bank's wealth management product should be a partial stock mixed fund between pure debt fund and partial stock mixed fund, and the risk is definitely there. How can you make a profit without taking risks? However, the wealth management products launched by banks are still relatively reliable.