The wealth management products of Postal Savings Bank, like those of other banks, have certain risks. The specific risk depends on the type of wealth management products and investment targets. The following are some common risks:

1. Market risk: The investment targets of wealth management products may be affected by market fluctuations, such as stocks, bonds and funds. The rise and fall of the market may have an important impact on the income of wealth management products.

2. Credit risk: If wealth management products are invested in debt instruments (such as corporate bonds), there is a risk that the issuer will default. Investors may not get the principal and interest on time.

3. Liquidity risk: Some wealth management products may have a long lock-up period or limited early redemption, which makes it impossible for investors to realize cash quickly. When it is necessary to redeem or transfer in advance, it may be necessary to pay extra fees or face the risk of price discount.

4. Interest rate risk: If the income of wealth management products is linked to interest rate, interest rate fluctuation may have an important impact on the income. For example, if a product is linked to a fixed-rate bond, the yield of the product may not be attractive when the market interest rate rises.

When investing in wealth management products, it is important to evaluate your risk tolerance and investment objectives, and carefully choose the products that suit you. Before purchasing wealth management products, it is recommended to communicate with bank staff to understand the risk and income characteristics of products and make investment decisions on the premise of clear risks. In addition, diversification can also reduce the risk of the overall portfolio.