Buying financial products from banks is risky. Generally speaking, bank financial products can be divided into five categories according to risk levels: prudent products (R1), stable products (R2), balanced products (R3), aggressive products (R4) and radical products (R5). In this case, an increase in the number represents an increase in risk.

If you don’t want to take a lot of risks, you can give priority to prudent products (R1) and robust products (R2) financial products, because they are low-risk and low-yield and can basically guarantee your capital. There will be no loss of gold, and the possibility of making money will be higher if you hold it for a long time.

Extended information:

Why do banks let you buy financial products?

Because bank staff promote financial products, they can also earn commissions, and it should be noted that the financial products purchased by the bank are not necessarily the financial products sold by the bank itself, but may also be sold on its behalf. , if you are planning to purchase a bank financial product, you can check it in the details of the financial product you purchased.

The second thing is that when buying financial products, you must clearly see the financial period. Some financial products have a relatively long financial period, and they cannot be withdrawn until they expire. Therefore, when buying financial products, , but also have a good plan for your own funds.

1. Bonds

Risk: ★

Return: ★★★

Liquidity: ★★★

Investment period: There are different maturity dates to choose from.

Advantages: safety, higher income than bank deposits, protected by restrictive clauses, lower risk. It can circulate freely and does not have to be repaid until maturity. It can be liquidated in the secondary market at any time.

Disadvantages: National debt has poor ability to fight inflation. The credit risk of corporate bonds is difficult to judge.

2. Monetary Fund

Risk: ★

Return: ★★★

Liquidity: ★★★★★

Investment threshold: almost no investment threshold

Advantages: centralized management, risk diversification, strong liquidity (similar to bank demand deposits), and a higher rate of return than bank time deposits.

Disadvantages: Relatively satisfactory returns can only be obtained if held for a longer period of time.

Note: Regarding currency funds, some institutions have now launched currency fund portfolios, such as the currency Sanjia on the Sansi Investment Consulting APP, and the returns are about 1 percentage point higher than Yu'e Bao.

3. Trust products

Risk: ★★★

Return: ★★★★

Liquidity: ★

Investment threshold: subscription amount is 1 million yuan

Investment period: generally between 1-2 years

Advantages: Compared with bank financial management, the returns are higher and the risks are relatively high Less than p2p.

Disadvantages: The threshold is very high, and most of them cannot be withdrawn in advance. They need to be held until maturity after purchase. If you withdraw in advance, you will have to pay liquidated damages.

Suitable for: high-net-worth individuals

Note: In general, the threshold for trust products is relatively high, and non-high-net-worth individuals have limited subscription capabilities. Trust products have default risks. When purchasing such products, you must choose trust financial products with strong "borrowers" and bank guarantees, and analyze the project qualifications. It should be noted that most trust products do not have interest floating clauses. They will be executed at the contracted interest rate after purchase. Generally, the interest rate will not change if the interest rate rises or falls.

So in summary, financial products are basically risky. To be cautious in investing, you need to be cautious about distinguishing the differences between various products, the source of the products, and the degree of loss you can bear.