Will China Merchants lose money every day?

China Merchants Bank may lose money every day. China Merchants Bank's daily financial management is not guaranteed, because banks no longer promise to protect the capital and interest of wealth management products. It is a fixed-income wealth management product, which is paid by China Merchants Bank, with low risk and low loss probability.

There is a very simple way to identify product risks. Look directly at the risk level displayed near the product name or product introduction. Most banks will be divided into five grades, and some banks will be divided into six grades. From R 1 to R5, the risk will increase.

For example, China Merchants Bank's daily wealth management is a R2-rated current wealth management product with low risk. 65,438+0,000% is mainly invested in fixed income assets, which is suitable for stable investors and equivalent to short-term debt funds in the fund. The probability of principal loss is very low, and the risk and expected return are higher than the cargo base.

The lowest risk is R 1, which is equivalent to a money fund and is very suitable for conservative investors to buy;

The medium risk is R3, which is equivalent to a bond fund. Both principal and income are risky. Although some R3 products are mainly investment bonds, the positions of credit bonds may be concentrated. When the market is bad, the net value of products is prone to large losses. You can't let your guard down when buying such products. You need to take a good look at the investment of funds.

R4 and R5 are equivalent to hybrid funds and equity funds, which belong to medium-high risk and high risk, so don't try them easily.