Which risk is higher, bond funds or wealth management products?
Bond funds are low-risk products in terms of fund types, but bond funds are divided into pure debt funds and partial debt funds. Generally speaking, pure debt funds are mostly R2 low-risk funds, while partial debt funds belong to R3 medium-risk funds. Compared with wealth management products, it can be divided into R 1, R2, R3, R4 and R5 according to the risk level, so if users really want to compare bond funds with wealth management products, it depends on which two products they want to buy.
If the risk level of wealth management products purchased by users belongs to R 1, the risk will definitely be lower than that of pure debt funds. In many bank wealth management products, money funds with R2 risk level are mostly equivalent to money funds, which belong to low-risk investment projects. Therefore, if users choose R2 pure debt fund and wealth management products, the risk of R2 pure debt fund is higher than that of R2 wealth management products. The investment threshold of bond funds is relatively low, the minimum investment is 10 yuan, while for bank wealth management products, the threshold is relatively high, usually several thousand RMB or 10000 RMB. From this point of view, if users want to choose low-threshold investment, it is undoubtedly better to choose bond funds.
Risks faced by the Monetary Fund
1. Portfolio risk: refers to the sharp decline in the fund's net asset value, soaring interest rates and credit events will all cause portfolio risk;
2. Liquidity risk: refers to the fund manager's failure to cash the fund assets on time and solve the user's redemption application. The direct cause of liquidity risk is centralized redemption by users, which may be caused by falling asset prices, tight liquidity of institutional users and relatively reduced fund returns.
This paper mainly writes the meaning of fund risk grade r4 and related knowledge points, and the content is for reference only.