1) In general, unless the contract text indicates that it is a principal-guaranteed product, the products in this period are basically risky. Anything that is not specified is the risk of principal loss. The specific degree of risk depends on the scope of product investment objectives. Before purchasing wealth management products, it is recommended to read the contract and pay attention to the scope of investment objects and risk introduction.
2) The risk level of each product is different. For example, financial products in Phnom Penh, such as national debt, are also risky, similar to local debt risks in stable and economically developed areas. At present, the financial products of state-owned joint-stock banks in China are theoretically less risky than other banks and more risky than national debt. This is the first financial product you should choose. So please note, for example, the short-term (5-year) risk of local debt in stable areas or high-speed developed areas is relatively low. The more developed the finance, the greater the risk of local debt. It won't come out, so be sure to choose a product that you think is less risky. The annual yield of railway system bonds is 9- 12%.
ICBC's wealth management products are divided into five levels according to the risk grade of "PR 1-PR5", among which PR 1 has the lowest risk and PR5 has the highest risk. The PR2 level is moderately dangerous. This product does not guarantee capital preservation, but the possibility of investor's principal loss is very small. The principal and income of products are less affected by risk factors. The target customers are those with and without investment experience, which are assessed as stable, balanced, growing and enterprising by ICBC's customer risk tolerance.
1. Low-risk category: guaranteed financial management. Everyone must be familiar with this. I don't need to introduce Xi Cai Jun, but now it has broken the rigid redemption, and there are fewer and fewer guaranteed wealth management products, and the yield is slowly declining, currently around 3.5%.
It is well known to the International Monetary Fund that monetary funds are a certain amount of wealth. Now there is not only a certain wealth, but also major banks have their own money fund products, such as China Construction Bank and Industrial Bank. Basically, banks will have their own money fund products.
2. Medium risk category: general wealth management products. This is a wealth management product, and everyone buys it in the bank. The term ranges from one month to several years. In fact, it is the bank asset management plan. Generally speaking, the funds raised by funds are relatively stable investments, and the probability of default of such products is not high. According to the data disclosed by data research institutions, the average yield of such wealth management products is about 4.36%.
3. High-risk category: The significant returns of such wealth management products are usually relatively high, and some can reach 10% or more, which of course corresponds to high risks. The funds raised are usually used to invest in high-risk targets, such as stocks, commodities and stock indexes. Bank representatives include Minsheng Bank, Bank of Communications and Bank of China. Ordinary investors need to choose carefully.