1. Expected income or simulated income is usually obtained through historical data or simulated forecast, which may be quite different from the past income. Oral publicity is not equal to a contract. For products you don't fully understand, we can't just listen to the oral propaganda of the sales staff. You must read the product contract, terms or related instructions carefully. If others say "good" is not suitable for you, then investing in financial management is not equal to speculation. Investment and financial management is a long-term, rational and professional investment behavior. We can't invest too much in a single product. Need to cooperate with risk tolerance assessment. It must be remembered that high returns are bound to be accompanied by high risks. Customers who buy wealth management products from commercial banks need to bear the risks that may occur in the investment process. Buying financial products means being willing to take corresponding risks.
2. Market risk: Financial products purchased by investors face greater market risk. Credit risk: If investment in wealth management products is related to the credit of enterprises or institutions, if enterprises default or go bankrupt, investment in wealth management products will suffer losses. Liquidity risk: During the deposit period of wealth management products, investors may face the risk of not being able to redeem wealth management funds in advance, or the risk of realizing losses when the market price is unfavorable. Inflation risk: Because the income of wealth management products is paid in the form of money, the purchasing power of money decreases during inflation, and the actual income decreases after the maturity of wealth management products, which will bring losses to investors' wealth management products. The size of the loss is related to inflation during the investment period.
3. Policy risk: Under the influence of financial regulatory policies, the investment and repayment of wealth management products related to laws and policies in the financial market may not be carried out normally, resulting in a decrease in the income of wealth management products and even a loss of major wealth management products. Managing risk: Banks are the trustees of wealth management products. Its management and disposal level of wealth management product funds and whether it is conscientious directly affect the realization of wealth management products investment and wealth management income. Information transmission risk: Commercial banks will announce the valuation of wealth management products, yield to maturity and other information to investors. Force majeure risk: the occurrence of force majeure factors such as natural disasters and wars will seriously affect the normal operation of financial markets, financial products that may affect normal acceptance, investment and income, and even financial products that lead to reduced income or even loss of principal.