What is the relationship between the risk level of fund products and the results of individual risk

The sales organization and the management company must have this risk level and assessment, and if there is no one, it is not a formal organization, which should be noted. **Product risk level is R1-R5, personal risk assessment is C1-C5. Investor suitability requires that investors in C1 can only buy products in R1, investors in C2 can buy products in R1-R2, investors in C3 can buy products in R1-R3, investors in C4 can buy products in R1-R4, and investors in C5 can buy all products.

When I buy R4 products, I will come out to warn, "The risk level of the product you purchased has exceeded your tolerance, do you want to continue to buy?" "Hope mine works for you.

**Risk level based on big data analysis of product risk level.

The personal risk assessment is based on the relevant exams and the individual's investment habits.

The relationship between the two is very close. Only through the wind test can you choose the best product that is suitable for your own risk.

Personal risk test is a compulsory course for ordinary investors.

**There is a certain relationship between the risk level of the product and the results of the personal risk assessment, if you are a stable person, then you can buy a product with a low risk level.

Hello, these two are not related, it is recommended that you buy the same result of **.

The test of your risk level is based on your ability to resist risk to give you the right one, and if it exceeds your risk rating, it will give you a risk assessment to let you know that it is only high risk.

**There are five risk levels for products, which are: Prudent (R1), Moderate (R2), Balanced (R3), Aggressive (R4) and Aggressive (R5).

The investment scope of R1 and R2 is basically the same, and the proportion of R1 level investment in the low-risk part will be higher, which is generally a product with guaranteed principal and expected return, and R2 is generally a floating expected return product and will not promise to guarantee the principal.

R4 products generally invest in highly volatile financial products such as **, **, foreign exchange, etc., and the proportion can exceed 30%, and the principal is not guaranteed.

Extended information: According to different criteria, **investment** can be divided into different types: according to whether **units can be increased or redeemed, it can be divided into open-ended ** and closed**.

Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

According to the different investment risks and returns, it can be divided into growth, income and balance**.

According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

Because the closed-end ** transaction on the ** exchange adopts the method of bidding, the transaction ** is affected by market supply and demand and does not necessarily reflect the net asset value of **, that is, relative to its net asset value, the closed-end ** transaction ** has a premium and discount phenomenon. The practice of foreign closed-end ** shows that its trading ** often has a fluctuation law of first premium and then discount.

Judging from the situation of China's closed-end market, no matter how the fundamental situation changes, the trend of China's closed-end trading has never been able to depart from the fluctuation law of first premium and then discount.

Open-ended refers to the fact that the scale is not fixed, but can be issued at any time according to market supply and demand or the investment redeemed by investors. Closed-ended, as opposed to open-ended, refers to an investment whose scale has been determined before issuance, and whose scale is fixed after the completion of issuance and within the specified period.

**There are five risk levels for products, which are: Prudent (R1), Moderate (R2), Balanced (R3), Aggressive (R4) and Aggressive (R5).

R1 and R2 levels: The investment scope of R1 and R2 is basically the same, and the proportion of R1 level investment in low-risk parts will be higher, which is generally a product with guaranteed principal and income, and R2 is generally a floating income product and will not promise to guarantee the principal. The investment direction of these two grades is basically the same, generally lower risk products such as bank lending, corporate or government bonds.

R3 level: R3 products generally combine some investment products of R1 and R2 with some high-volatility financial products such as **, commodities, foreign exchange, etc., for asset allocation, and the proportion of high-risk products does not exceed 30%. This level does not guarantee the principal, and the principal protection ratio of structured products is generally above 90%, and the income fluctuates and fluctuates to a certain extent.

R4 level: R4 products generally invest in high-volatility financial products such as **, **, foreign exchange, etc., and the proportion can exceed 30%, the principal is not guaranteed, the risk and return are larger, and the volatility of income is also higher, which is affected by various factors, and the possibility of loss is higher.

R5 level: This level of products can be fully invested in high-risk financial products such as **, foreign exchange, **, etc., and can be invested in derivatives and leverage. The principal is extremely risky, and the return fluctuates and the expected return is also high.

1. R1 and R2 levels: The investment scope is basically the same, mostly bonds in the interbank market, exchange market, capital lending, trust plans and other financial assets. Generally speaking, the proportion of low-risk investments in the R1 level is higher, and it usually has a principal-protected clause, which is our common principal-guaranteed and income-guaranteed or principal-protected floating income products.

2. R3 level: In addition to investing in low-volatility financial products such as bonds and interbank deposits, this level of products can also invest in high-volatility financial products such as **, commodities and foreign exchange, and the investment ratio of the latter does not exceed 30% in principle. This level does not guarantee the repayment of the principal, and there is a certain principal risk, and the principal protection ratio of structured products is generally more than 90%, and the income fluctuates and fluctuates to a certain extent.

3. R4 level: the proportion of high-volatility financial products such as **, **, foreign exchange and other high-volatility financial products can exceed 30%, and the principal repayment is not guaranteed, the principal risk is larger, the income is floating and volatile, and the investment is more susceptible to risk factors such as market fluctuations and changes in policies and regulations, and the possibility of loss is higher.

4. R5 level: This level of products can be fully invested in various high-volatility financial products such as **, foreign exchange, **, etc., and can be invested in derivatives, stratification and other leveraged amplification methods. The principal risk is extremely high, and the income fluctuates and fluctuates greatly, and the investment is more susceptible to risk factors such as market fluctuations and changes in policies and regulations, of course, the corresponding expected return will also be higher.

**There are five risk levels of products, from low to high: Prudent R1, Moderate R2, Balanced R3, Aggressive R4 and Aggressive R5.

1. R1 and R2 grades. The investment scope of R1 and R2 is basically the same, and the proportion of R1 level investment in the low-risk part will be higher, which is generally a product with guaranteed principal and income, and R2 is generally a floating income product and does not promise to guarantee the principal. The investment direction of these two grades is basically the same, and generally lower risk products such as bank loans, corporate or government bonds.

2. R3 level. R3 products generally combine some investment products of R1 and R2 with some high-volatility financial products such as **, commodities, and foreign exchange to do asset allocation, and the proportion of high-risk products does not exceed 30%. This level does not guarantee the principal, and the principal protection ratio of structured products is generally more than 90%, and the income fluctuates and fluctuates to a certain extent.

3. R4 level. R4 products generally invest in high-volatility financial products such as **, **, foreign exchange, etc., and the proportion can exceed 30%, the principal is not guaranteed, the risk and return are larger, the volatility of income is also higher, and the possibility of loss is higher due to various factors.

4. R5 level. This level of products can be fully invested in high-risk financial products such as **, foreign exchange, **, etc., and can be invested in derivatives and leverage. The principal is extremely risky, and the return fluctuates and the expected return is also high.