First, how much can you lose if you lose?
How much can you lose if you lose money in financial management? It depends on the nature of wealth management products. Different wealth management products have different risks and fluctuations. For example, the bank's wealth management products, we generally divide the bank's wealth management into five grades, from R 1~R5, corresponding to cautious wealth management products, steady wealth management products, balanced wealth management products, aggressive wealth management products and radical wealth management products respectively. The risk increases from low to high.
Generally speaking, the greater the risk, the more the wealth management products lose, but the more the expected income they can earn. Like robust wealth management products and robust wealth management products, the loss ratio is generally below 10%, while aggressive wealth management products and aggressive wealth management products have a larger loss ratio.
No matter what kind of wealth management product, as long as it is not guaranteed capital and interest, the biggest loss in theory is the loss of principal, but in practice, the possibility of loss of principal is very small, and the probability of occurrence is very low. For some risky wealth management products, the maximum loss is about 70%~80%.
If it is fund financing, then the proportion of losses is different according to the different types of funds. Funds can be divided into money funds, bond funds and stock funds according to different investment targets. Monetary funds have the lowest loss ratio, while equity funds have the highest loss ratio.
However, funds generally have no principal loss. Most foundations set up liquidation lines. After meeting the liquidation conditions, the fund can be liquidated. After liquidation, the funds will be returned to investors in proportion to the net fund value and the fund shares held.
Second, do you have to lose money if you lose money?
There is no need to lose money in managing money. Under normal circumstances, the biggest loss of our financial management is the loss of principal, and no additional compensation is needed. However, there is a possibility of loss, that is, financial management plus leverage, such as leveraged funds and margin financing and securities lending.
Leverage means that our investors borrow securities or funds to manage their finances. If the losses are serious and the deposits and assets cannot repay the debts, then investors may need to pay some extra funds to repay the debts.