Among the wealth management products of CITIC Bank currently on sale, PR3 products have the highest risk level, representing Zhixiang Tian Tian Express Private Bank, Zhixiang Tian Tian Express Private Bank, Huiying Growth and 63-day C-investment at will. The expected annualized rate of return of these products is above 4%, and the financing time is uncertain. Some can be held as short as 1 day, and some need to be held for more than two months.

According to the risk disclosure of products, PR3 products are all non-guaranteed floating income types, and the products are not guaranteed. At the same time, risk factors may have a certain impact on the principal and expected return. General banks recommend balanced and above customers with certain investment experience to buy.

Although it seems that CITIC Bank's wealth management products are not safe, in fact, the PR3 level is only one level higher than the risk level of Yu 'ebao. The essence of Yu 'ebao is an open-end fund with a risk level of PR2. How's it going? At this point, do you think Yu 'ebao is not so safe? In fact, not only Yu 'ebao, but also the bank's PR2 wealth management products are not losing money at present, so we can also think that PR2 products are relatively safe. Then, according to this situation, the risk of PR3 is not so great.

I suggest you buy bank wealth management products according to your actual risk tolerance.