Are low to medium risk wealth management products safe? Will it affect the principal?

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

Following the introduction of new regulations on asset management and wealth management by the China Banking and Insurance Regulatory Commission, the transition from capital-guaranteed wealth management products to non-guaranteed floating income wealth management products is accelerating. According to regulatory requirements, wealth management products with capital guarantees will be completely withdrawn from the stage of history by 2020. All products on the market are non-guaranteed floating income products.

Although the possibility of losing money on low- to medium-risk financial products is small, this does not mean that there is no risk. Theoretically, a principal is not 100% safe.

The safety of medium and low risk is very low, because many credit bonds are currently affected by default, which will also affect the principal.

Medium and low-risk financial products are relatively safe, the risk is very low, but there are also risks, it is possible to affect the principal, you must pay attention to ask before financial management.

Don't be fooled by the consequences of illegal financial management, haven't you learned a lesson from the country's gold disaster?.

Moderate security. According to the possibility of loss of the principal of the bank's wealth management products and the volatility of the returns, the Bank of China classifies the wealth management products into five levels according to the degree of risk from low to high, including: (1) low-risk products, (2) medium-low-risk products, (3) medium-risk products, (4) medium-risk products, (5) high-risk products.

Low to medium risk: products with a low probability of principal loss and low volatility of returns. So it's relatively safe.

Extended Information:1Financial management, as the name suggests, refers to managing finances.

When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

1) Financial management is the management of a lifetime's wealth, not just to solve the urgent money problem.

2) Financial management is cash flow management, everyone needs to use money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, whether you have money or not, everyone needs to manage their money.

3) Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

2.Generally speaking, through the wealth management account opened by the bank, you can handle savings products and bank wealth management products and ** products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through banking channels can be handled at the bank counter.

The wealth management account opened by the company can be used for investment in a series of investment and wealth management tools such as (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), (including finance, such as stock index, foreign exchange, etc., commodities, agricultural products, etc.). **Account opening can be handled at the business department of each **company, which needs to be handled within the trading day. The procedures of the investment company are more convenient, and generally only need to provide a copy of your ID card and bank card.

Investment companies will also customize exclusive financial plans for customers.

Hello, the bank's low-risk financial management is still relatively safe.

Questions. Hello.

1.Try to buy wealth management products to banks, ** companies and other formal institutions.

Questions. I am a conservative investor.

Low- and medium-risk wealth management mainly invests in bonds, currencies** and indices**, which are relatively low-risk.

These are medium and high risk, and it is not recommended to participate in Ha.

Medium and low-risk financial management is still relatively safe, you can rest assured, but try to go to the bank to buy financial products.

The types of investments are: bonds, currencies and indices.

Hello, do you have any other questions?

Questions. Thank you for bothering.

You're welcome ha. If satisfied, please give a thumbs up, good night, good dreams. Questions. ok good night. Good night and good dreams.

The possibility of losing the principal of the bank's low- and medium-risk wealth management is still relatively small, and there is such a possibility in the case of a particularly sluggish market.

No capital protection! Why do low- and medium-risk net-worth wealth management products have negative returns, and will they lose money?

Bank wealth management is divided into medium and low risk, as well as medium risk and high risk and other different grades, generally speaking, the current bank wealth management does not promise to guarantee the principal, that is to say, there is a possibility of losing the principal. However, in reality, the possibility of losing the principal is very small.

Extended information: Bank wealth management products are capital investment and management plans developed and designed by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed method.

The Interim Measures for the Administration of Personal Wealth Management Business of Commercial Banks issued by the China Banking Regulatory Commission (CBRC) defines "personal financial management business" as "professional service activities such as financial analysis, financial planning, investment advisory, and asset management provided by commercial banks to individual customers". The personal wealth management business of commercial banks is divided into financial advisory services and comprehensive wealth management services according to the different management and operation modes. What we generally refer to as "bank wealth management products" actually refers to the comprehensive wealth management services.

According to the standard interpretation, it should be that a commercial bank develops, designs, and sells a capital investment and management plan for a specific target customer group on the basis of analysis and research on potential target customer groups. In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment returns and risks are borne by the customer or the customer and the bank in accordance with the agreed method.

Generally, according to the type of expected return, we divide bank wealth management products into two categories: fixed income products and floating income products. In addition, according to the different investment methods and directions, new share subscription products, bank-trust cooperative products, QDII products, structured products, etc., are also the statements we often hear and see.

As long as the bank does not clearly state the capital preservation, any situation can happen, pay attention to financial management, whether it is fixed-term or current or something else.

Low to medium risk is also risky, not a pure bank deposit without any protection, the bank will not bear the risk for you.

Medium and low risk is also risky, but the risk is relatively low compared to other high-risk methods, but it is also possible to lose your principal, known as the Industrial and Commercial Bank of the Universe, as well as the thunderstorm financial products. How can there be no risk? The country is currently de-converting, and basically if you want to make a profit, you have to be prepared to lose money.

It will also be because the current requirement is that wealth management products do not allow 100% capital protection, so there is also a risk of principal loss! However, bank financial management, and for the low risk of losing the principal is very small, or a more reliable way of financial management!

In general, no. Except in exceptional circumstances. For example, violent turmoil, bank bankruptcy, etc.

Even if the bank's wealth management products are low-risk, they will not promise to protect the principal, and it is possible to lose the principal.

First of all, you have to understand that any investment vehicle is risky, so there is no such thing as a risk-free investment right now.

Theoretically, there is a possibility of losing the principal.

It is possible to buy. Medium and low risk mainly invests in financial products with low volatility such as deposits, bonds, and interbank deposits, with low financial risk and relatively low returns, which is suitable for conservative and prudent investors with risk tolerance.

Wealth management is investment, and depositing in the bank can be regarded as a way of financial management, and buying dividend-paying insurance is also a way of financial management.

Other ways to manage money include buying, buying, trading, and so on.

**There are risks and investment should be cautious.

**There are risks and investment should be cautious.

Now you don't even promise to guarantee the principal and interest when you deposit money in the bank, which means that if you deposit the money in the bank, you don't promise to get the principal and interest completely.

Like, it's normal to lose money.

Knowing the above financial management methods and investment risks, you can divide the risks into low risk, medium low risk, medium risk, medium high risk, and high risk according to the degree of investment risk.

The higher the risk, the greater the likelihood of loss, and the lower the risk, the less likely it is to lose.

For example, bank deposits are lower risk, and Yue Bao is a currency**, which is also a lower risk.

Medium to low risk is bond**. The medium risk is the bond type that can be invested in**, and now there is a nice term called fixed income plus.

The risk level of hybrid type is medium and high risk, **type** including index type is high risk, and ** transaction is also high risk. **Trading is also a high level of risk. In case of delisting, it will be completely cool.

Therefore, if you buy **type**or **, insist on holding it for a long time, such as three to five years, or five to ten years, as long as it is not particularly bad, most of them are making money. **。

The "lower risk" in financial management, also known as low-risk financial management, refers to the fact that the risk of this kind of financial management is very low, and almost all risks. For example, monetary ** wealth management is one of them.

Generally speaking, the risk level of "medium and low-risk" wealth management products is one level higher than that of "low-risk wealth management" and one level lower than that of medium-risk wealth management. Sandwiched between low-risk and medium-risk management. Such as short-term debt ** wealth management, etc.

Normally, low-risk financial management and medium-low risk financial management are divided into prudent financial management or low-risk financial management.

Low risk means that the probability of losing money is very small, and this type of ** invests in currencies and bonds to earn income. The two you mentioned are low-risk, and the investment direction should be similar

What is the difference between the low risk and the low risk in financial management? I think there are risks in financial management, all financial products are the money saved by customers to invest, investment is risky, the so-called low risk, that is, the risk is very small, almost can be considered that there is no risk of medium risk, it is believed that the risk must be very high, so when you buy financial products, you must choose the type of risk you can bear to buy.

Hello, there is a difference between low risk and low risk in financial management, in which the low risk and risk are relatively low, and the risk of medium and low risk is slightly higher.

Low risk means that your daily income will not be lost, such as buying some currencies**, which means that the daily income will not be lost, but the relative income is relatively small. Low to medium risk means that the return may be negative and the money will be lost.

That is, the risk level is different, if the risk is low, there is still a certain risk, and if the risk is low, the risk is relatively low, and the risk is high, which you can understand as having a relatively large one. You may lose your principal.

Wealth management products are generally marked with low risk, medium and low risk, and low risk general investment bank wealth management products treasury bonds, medium and low risk investment bonds and other products, and high-risk ** loans.

In financial management, low risk, medium risk, and high risk, they correspond to low return, medium return, high return, and the higher the rate of return. It's also risky, and it's the risk that you lose your principal. It depends on what you can afford.

There is not much difference, the lower risk and the medium low risk are just different terms, both are principal-protected. There is no risk to the principal.

If you check the low risk, the general return is relatively low, if the medium and low risk is low, the return is a little higher, and if the risk is high, the return is high, but the principal will be lost.

A lower risk should be almost no risk. Low to medium risk should have some risk, but not much risk.

The lower risk is the lowest risk in the risk level, and the low risk is higher than the low risk, that is, the risk is higher.

It is possible that the current wealth management is not a principal-guaranteed product, there is a possibility of loss, and the loss is borne by the investor himself, and the risk level corresponding to the low risk of wealth management is R2, and the R2 level wealth management products are mainly invested in deposits, bonds, interbank deposits and other financial products with low volatility, and the main purpose of wealth management is to ensure the safety of assets.

R2 wealth management products have low risk and relatively low returns, so they are more suitable for investors with low risk tolerance to buy.