R 1 is also a common low-risk financial investment product. The main investment channels are low-risk investments such as treasury bonds, insurance financing, large deposit certificates and bank financing.
R2 is a common low-risk financial product, and it is also the mainstream financial product of market banks. It mainly invests in low-risk and low-risk products such as treasury bonds, reverse repurchase, insurance wealth management, large deposit certificates, bank wealth management, money funds and trusts.
R3, a common medium-risk wealth management product, increases corporate bonds, and can also invest in a certain proportion of stocks, commodities and foreign exchange. And the proportion of funds invested in high-volatility investments should be less than 30%. Because there are highly volatile investment products, the principal may be damaged to a certain extent;
R4 level, a common wealth management product with medium and high risk level. Except for the investable products with R3 rating, the proportion of funds invested in high-volatility products can exceed 30%.
R5 is a high-risk wealth management product, without any investment restrictions, and can even use leverage, grading and derivatives for investment.
Therefore, the most important thing in investment and financial management is to choose products suitable for your income target, risk preference and liquidity requirements, and choose "reliable" platforms, such as banks, BAT and other platforms with big brand credit endorsements.
At this stage, there are some current and regular wealth management products and selected fund products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management) for users to choose according to their own liquidity preferences and risk preferences.
For example, the current product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.9%, which can be accessed at any time, with interest on the same day, unlimited holidays, withdrawal on any natural day, real-time receipt on the same day, no trading day limit, no limit, and 65,438+000% payment within 500,000 yuan;
For example, the term bank wealth management product "revitalizing smart deposits" has an annualized rate of return of about 4.8%, which belongs to bank deposit products and is paid within 500,000 yuan 100%, which is suitable for stable and above investors;
There are also some selected stock fund products, which are suitable for investors who can take certain risks and pursue the preservation and appreciation of wealth. You can search for "download link of Du Xiaoman Financial APP" or follow "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!