At present, financial management is divided into five risk levels according to the investment target, and the risk from small to large is R 1-R5. The higher the risk level, the greater the financial fluctuation, in which R 1 belongs to low risk, R2 belongs to medium and low risk, R3 belongs to medium and low risk, R4 belongs to medium and high risk, and R5 belongs to high risk. Investors can choose suitable products according to their own tolerance, investors with low risk tolerance can choose products with R2 or below, and investors with high risk tolerance can choose products with R3 or above.