China Bank's Hua Hui Golly is reliable, but any wealth management product, of course, has risks, depending on the level of risks. Huahui Wealth Management is a public offering wealth management product as a fixed income enhancement strategy. The product will use no less than 80% of its positions for bond support and no more than 20% for stock enhancement. In terms of retracement control, Hua Hui Wealth Management introduced the internationally advanced "dynamic risk budget strategy", and dynamically quantified the current risk position of the product through a scientific calculation model, so as to build a portfolio that maximizes the expected return and minimizes the retracement, and enhance the holding experience of investors. Therefore, the Hui Hui Golly sold by China Bank is reliable.

Any financial management has risks and must be treated rationally, and bank financial products are no exception. Generally speaking, bank financing is relatively safe, and the specific risks depend on the product type. The main risks faced by bank wealth management products are market risk, credit risk, liquidity risk, inflation risk, operation management risk and force majeure risk. But generally speaking, the current products are basically risky, unless the contract text stipulates that they are capital-guaranteed products, and those that are not indicated are all at risk of loss of principal. The specific degree of risk depends on the scope of the product investment target, and the investment needs to be cautious. Different wealth management products have different benefits and risks, which requires you to choose recognized wealth management products and have a steady ability to bear benefits and risks. Anyway, investment is risky, so you need to be cautious when buying. This is an eternal investment truth.

Generally speaking, bank wealth management products are as follows:

1, and the low-risk annualized rate of return is less than 1.8%.

2. The medium risk annualized rate of return is less than 3.8%.

3. The high-risk annualized rate of return is greater than 4%.

Generally speaking, bank consignment products are financial products of other financial institutions that are "sold" by banks, and they are a marketing method to obtain intermediate expenses, such as bank consignment of Public Offering of Fund, insurance and trust products. Banks are only "agents" and do not undertake product management and payment.

In theory, the products sold by banks will also have "access". The products sold by banks must be products issued by compliant financial institutions (except for fly tickets or fraud), but the products may not meet your risk preferences, liquidity requirements and income targets. You can judge whether they meet according to your actual situation.