PR 1 is a low-risk wealth management product, which belongs to capital preservation.
PR2 is a non-principal-guaranteed wealth management product, but it belongs to medium-low risk, but the overall risk is controllable, the probability of loss of principal is extremely low, and the interest rate reaches the expected level of over 99%. Anyway, I have been in business for so many years, and I have never breached the contract, even from a national perspective!
The risk of PR3 -PR5 will come up, and the principal may be lost. However, bank wealth management products are basically not designed to this extent.
Extended data:
The choice of bank wealth management products;
First of all, look at the expected income and risk status of the product.
The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.
Second, look at the product structure and redemption conditions.
"For bank wealth management products, investors need to understand the target of the product; Investors need to be cautious about those unfamiliar and uncertain wealth management products. "
Financial experts said that some wealth management products are not allowed to be redeemed in advance. Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time and need to pay redemption fees; Some wealth management products have a capital preservation clause, but the premise is that the products must expire, and investors may lose their principal if they redeem them in advance.
Third, look at the product deadline.
Some financial experts believe that the term of bank wealth management products is long or short, and some half-year or one-year wealth management products may be issued at a high level in the stock market. Now the stock index has been "halved" If such wealth management products lose money, it is difficult to achieve "turning losses into profits" in the short term.
Some wealth management products have a long term and a good design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits. ?
Fourth, look at the investment direction.
Where will banks invest their funds, because the direction of capital investment is directly related to the yield of wealth management products. In addition, banks are not professional asset management institutions. Many bank wealth management products, especially stock wealth management products, are actually managed by investment consultants hired by banks. Investment consultants are generally held by fund companies and securities companies.
Its investment and research ability largely determines the product's income and risk control ability, so investors should understand the investment and research ability of investment consultants when purchasing bank wealth management products.
Baidu encyclopedia-bank wealth management products