Among them, R 1 stands for low risk, that is, the wealth management products guarantee the complete repayment of the principal, and the product income changes with the investment performance, and is rarely affected by risk factors such as market fluctuations and changes in policies and regulations.
R2 stands for medium and low risk, that is, wealth management products do not guarantee the repayment of principal, but the principal risk is relatively small and the income fluctuation is relatively controllable.
R3 stands for medium risk, which means that wealth management products do not guarantee the repayment of principal, have certain principal risk, and the income fluctuates.
R4 stands for medium-high risk, which means that the wealth management products do not guarantee the repayment of the principal, and the principal risk is high, the income fluctuates greatly, and the investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors.
R5 stands for high risk, which means that wealth management products do not guarantee the repayment of principal, the principal risk is extremely high, and the income fluctuates greatly, so it is only suitable for investors with very strong anti-risk ability.
At present, wealth management products with R 1 and R2 levels are very suitable for investors with weak anti-risk ability, while wealth management products with R3 level or above are suitable for investors with strong anti-risk ability.
Therefore, it is suggested that you can do a risk test before buying wealth management products, and then buy corresponding wealth management products according to the risk test results.
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The risks of wealth management products mainly include principal risk and income risk:
1. principal risk: principal risk is the risk that the principal of investment wealth management products may suffer losses. General wealth management products will have corresponding risk levels. The lower the risk level, the safer the product principal. For example, the product risk level of money fund is low, and the risk level of stock is high. Compared with the money fund, the probability of stock principal loss is higher.
2. Income risk: Income risk is the risk that the investment cannot achieve the expected return. Any wealth management product has certain income risk, and it is common for investment wealth management products to fail to achieve the expected income.