The classification of bank wealth management products includes: cautious products (R 1), stable products (R2), balanced products (R3), enterprising products (R4) and radical products (R5).
R5: You can fully invest in various financial products with high volatility, such as stocks, foreign exchange and gold. And can use derivative transactions, stratification and other leverage amplification methods for investment operations. The principal risk is high and the income fluctuates greatly. Investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors. Of course, the corresponding expected return will be higher.
R4: The proportion of highly volatile financial products such as stocks, gold and foreign exchange can exceed 30%, and the repayment of principal is not guaranteed. The principal risk is high and the income fluctuates greatly. Investment education is vulnerable to market fluctuations, changes in policies and regulations and other risk factors, and it is more likely to lose money.
R3: In addition to high-volatility financial products such as bonds and interbank deposits, you can also invest in high-volatility financial products such as stocks, commodities and foreign exchange, and the proportion of investment in the latter should not exceed 30% in principle. This level does not guarantee the repayment of the principal, and there is a certain principal risk. The principal guarantee rate of structured products is generally above 90%, and the income fluctuates to some extent.
The investment scope of R 1 and R2: is basically the same, including financial assets such as interbank market, exchange market bonds, capital lending and trust plans. Generally speaking, the low-risk part of R 1 investment is relatively high, and there is usually a capital preservation clause, which is our common "capital preservation income" or "capital preservation floating income" products.
Therefore, all investment products above R3 level have the possibility of principal loss. Investing in such wealth management products means giving money to banks to invest in high-risk investment products, not us. At this time, the role of banks is similar to that of fund companies.
2. Expected income is not equal to actual income.
Many wealth management products are marked with expected income to attract investors, but this is not the final real income of your investment. There are risks and fluctuations in your investment, and the final income depends on the fluctuations during the investment period.
3. The rating of bank wealth management products is not necessarily reliable.
The risk rating of bank wealth management products is assessed by banks themselves, and each bank has its own assessment criteria. Different standards lead to different ratings of the same type of wealth management products in different banks, so this rating is unreliable.
4. Please read the risk warning carefully.
We mentioned the risk level of bank wealth management products, read the risk warning clearly, and choose the wealth management products that we can bear.
5. Pay attention to the input of products.
You need to know where the bank has invested our money, whether it is a stock fund or a bond. It will be written in the terms. You can see clearly that you know the risks and expected returns of your investment products.
6. See if there is any overlord clause in the manual of wealth management products, and try not to touch such products.
For example, a product manual stipulates that "the part with the highest expected annualized income is the investment management fee of the bank". Decisively give up such terms, bear the risk yourself, and the high income will be deducted.
7. See whether the product is spontaneous or is sold by the bank.
In addition to the wealth management products issued by banks themselves, just like the funds we are talking about, banks can also be used as third-party sales platforms for funds. If it is a consignment, the bank only recognizes the relationship between agency and entrustment. If something goes wrong, the bank that sells the product will also charge a management fee.
8. Ultra-high returns are generally virtual.
If you attract your attention with super-high income, you should be careful and see clearly what the product is. Some banks sell insurance.
For example, the instruction manual of a bank's wealth management products states that the formula for calculating the expected rate of return of wealth management products is "expected rate of return on investment-sales fee, custody fee and other expenses of wealth management products". Pay attention to the word "wait" and ask what other expenses are included.