1R generally, the new green series of Delibao is 1R, with fixed interest rate and term, and the minimum deposit amount is 50,000 yuan.
The risk of 1R includes liquidity risk, that is, you can't withdraw money in advance before maturity; Interest rate risk, that is, after the government raises interest rates after purchasing wealth management products, interest rates will not rise; Credit risk, etc. , which can be understood as risk-free.
2R generally refers to Blue Ocean series, trust products, general investment bonds or project loans, which means that products can be repaid in advance before the specified date, but the agreed interest rate remains unchanged.
3R stands for stable principal and floating interest rate, which will not be zero.
4R stands for the maximum loss of principal of 5%, usually invested in futures or currencies, a basket of currencies, etc.
5R means that neither the principal nor the income can be guaranteed, but the principal will not be completely lost, such as a fund.
6R For margin trading such as general investment options and foreign exchange, it is possible to lose all the principal, and the corresponding income is also proportional to the risk.
What are the methods of risk assessment?
1. Investment experience. Including investment type and investment period. If you have invested in equity assets for a long time, you will have rich investment experience and high corresponding risk tolerance.
2. assets. Including personal (family) assets, personal (family) income, and the proportion of equity assets available for investment. It is generally believed that investors with large assets and high returns have stronger risk tolerance.
3. How much loss can you bear? It can directly reflect investors' preference for risks and returns. The greater the loss of principal, the stronger the risk tolerance.