Risk tolerance, from low to high, is A 1 (cautious), A2 (steady), A3 (balanced), A4 (enterprising) and A5 (enterprising). The product risk levels corresponding to risk tolerance are R 1 (cautious), R2 (steady), R3 (balanced), R4 (enterprising) and R5 (enterprising).

Introduction to specific risk levels:

1, R 1 (cautious type)

This level of wealth management products are generally guaranteed by banks to repay the principal in full, and the product income changes with the investment performance, which is less affected by risk factors such as market fluctuations and changes in policies and regulations.

2. R2 level (steady)

This level of wealth management products does not guarantee the repayment of principal, but the principal risk is relatively small and the income fluctuation is relatively controllable. In the dimension of credit risk, products mainly bear the risks of credit subjects with high credit ratings. In the dimension of market risk, products mainly invest in low-volatility financial products such as bonds and interbank deposits.

3, R3 level (balance)

This level of wealth management products does not guarantee the repayment of the principal, and there is a certain principal risk, and the income fluctuates and fluctuates. In the dimension of credit risk, it mainly bears the risk of credit subjects above the medium level. In the dimension of market risk, products can be invested in low-volatility financial products such as bonds and interbank deposits, and the proportion of investment in high-volatility financial products such as stocks, commodities and foreign exchange should not exceed 30% in principle, and the capital preservation ratio of structured products should be above 90%.

4, R4 level (offensive)

This level of wealth management products does not guarantee the repayment of the principal, and the principal risk is large, and the income fluctuates greatly, so the investment is easily affected by risk factors such as market fluctuations and changes in policies and regulations. In the dimension of credit risk, products can bear the risk of lower-level credit subjects. In the dimension of market risk, the investment ratio of high-volatility financial products such as stocks, commodities and foreign exchange can exceed 30%.

5, R5 level (free radical)

This level of wealth management products does not guarantee the repayment of the principal, and the principal risk is extremely high. At the same time, the income fluctuates greatly, and the investment is vulnerable to market fluctuations, changes in policies and regulations and other risk factors. In the dimension of credit risk, products can bear the risks of credit subjects at all levels. In the dimension of market risk, products can be fully invested in stocks, foreign exchange, commodities and other high-volatility financial products, and can be amplified through derivatives trading, stratification and other leverage operations.

R5 is the highest risk here. Buying wealth management products, especially fund wealth management products, generally meets the risk assessment level.

Robust wealth management products can guarantee the principal security, while other risky wealth management products cannot guarantee the principal security. The most common stable financial product here is the money fund. Although this kind of wealth management product is not guaranteed, its risk is extremely low, which is basically negligible, and its income is higher than that of bank deposits.

Balanced wealth management products do not guarantee the safety of the principal, and the principal will have certain risks in the investment process, and the income will fluctuate; The enterprising type does not guarantee the repayment of the principal, the principal risk is relatively large, and the income fluctuates greatly, so the investment process may be affected by policies and markets. Aggressive wealth management products have high risks but high returns, and there is a great possibility of loss. Users must be cautious when choosing this wealth management product, and it is best to use personal spare money when investing, so as not to bring greater economic burden to individuals because of losses. Moreover, when investing, you should choose financial products according to your ability to take risks.