Generally speaking, sound financial products are less risky and more reliable. However, it should be noted that stable products are not capital-guaranteed products, but they are still risky. You must pay attention to the following three risks when purchasing sound financial products.
Risk 1. capital
Wealth management products are very important for the investment of raised funds, which determines the safety of funds and whether the annualized expected return can be realized. If the funds of wealth management products are invested in the stock market and the property market, it means that the products are risky. Generally speaking, if the funds are scattered and the investment is safe, the borrower's qualification is good, which can reduce the risk. When buying products, you should read the instructions carefully to understand the flow of funds.
Risk two. Expected annualized expected return
When the wealth management products are issued, they promise the historical expected annualized expected return, but after the maturity, the expected annualized expected return that investors get may be high expected annualized expected return or negative expected annualized expected return, which is the expected annualized expected return risk of wealth management products. For some financial products that do not break the capital, investors may lose money when they expire.
Risk three. redeem
There is also the question of whether wealth management products can be paid as scheduled after expiration. Not only trust products, but also money funds such as Yu 'ebao were once worried about the risk of insufficient funds when faced with centralized payment.