This means that the risk of this wealth management product is the lowest, and the common way is to save, and the money is fixed in the bank. Regardless of the financial environment, banks regularly return low interest rates, so the product risk is minimal.

According to the different risk levels, bank wealth management products can be divided into 1-4 levels, and the income is also increasing step by step.

1 stands for basic risk-free wealth management products, 2 for low-risk wealth management products, 3 for medium-risk wealth management products and 4 for high-risk wealth management products.

Extended data:

1 The basic risk-free financial products are mainly bank deposits and national debt. Due to the guarantee of bank credit and national credit, the risk level is the lowest and the yield is also low.

Investors keep a certain proportion of bank deposits, the main purpose is to maintain moderate liquidity, meet daily needs, and wait for the opportunity to buy high-yield wealth management products.

References:

What is the risk level of bank wealth management products-Baidu Encyclopedia