The risk level of general wealth management products is divided into five levels: r 1 (low risk), r2 (medium and low risk), r3 (medium risk), r4 (medium and high risk) and r5 (high risk).
Generally speaking, the higher the grade, the higher the corresponding rate of return and the greater the risk.
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Wealth management products refer to financial products issued by banks and formal financial institutions, which put the raised funds into relevant financial markets or buy relevant financial products according to the contract, and distribute them to investors according to the agreement after obtaining the income. There are mainly these types of wealth management products: bond type, trust type, linked type and QDII type, including savings, funds, national debt, bonds, foreign exchange, stocks and speculation.
1, bond type
Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
2. Trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.
3. Hook type
The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.
4.QDII type
QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.
QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.
At present, the institutions that can provide financial products in China mainly include banks, securities companies, investment companies, economic management companies, internet financial platforms and so on. The main products can be divided into the following categories:
1. Bank wealth management banks are mainly divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies mainly includes stocks, funds and futures.
3. Investment companies Financial investment companies mainly include trust funds, gold investment, jade, jewelry and diamonds.
4. Internet financial management mainly refers to the financial management mode of P2P.