3R and 1R wealth management products of Bank of Communications are a classification of product risk levels within the bank. Their differences are as follows: 1R is cautious and can only buy low-risk wealth management products, such as fixed-income wealth management products and money-based wealth management products; The 3R balanced investors mean investors with mixed returns and risks. These investors can buy equity funds, bond funds, index funds, etc. corresponding to medium risks, and their returns are floating. Usually, if investors can't bear the risk, it's best to buy low-risk products, and if they want to pursue income, they can buy 3R financial products appropriately.

In addition, other risk levels of Bank of Communications:

2R is stable, and the corresponding risk level is medium and low risk, and the products corresponding to medium and low risk are: bond funds, fixed-term bond wealth management, etc.

4R is aggressive, which means that the investment evaluation is more aggressive, and the pursuit of high returns can bear medium and high risks, such as stock funds and hybrid funds.

5R is aggressive and high-risk, such as private equity funds and equity funds.