At present, there is no authoritative standard for trust products. General trust companies rate their trust products, with R3-R4 as the majority, R2 as the rating, and some even have no rating. The following are the differences in risk levels:
R 1 (Cautious) mainly invests in low-risk financial products such as high-credit bonds and money markets. Usually, the capital is guaranteed, and the income goes with the market, but the income fluctuates little.
R2 (robust) mainly invests in high-grade bonds, or invests in wealth management products with relatively safe principal through derivative transactions, hierarchical structure and external guarantees. There is no principal, but the risk of principal is small and the fluctuation of income is relatively controllable.
R3 (The proportion of balanced major investment trusts or high-risk financial products such as stocks, commodities and foreign exchange shall not exceed 30% in principle, and the capital preservation ratio of structured products shall be above 90%. Without capital preservation, there is a certain principal risk, and the income fluctuates.
R4 (aggressive) mainly invests in high-risk financial products such as stocks, commodities and foreign exchange, and the proportion can exceed 30%. If the principal is not guaranteed, the principal risk is high, and the income fluctuates greatly.
R5 (radical) can fully invest in various high-risk financial products such as stocks, equity, foreign exchange and commodities, and can be leveraged through derivative transactions and stratification. If the principal is not guaranteed, the principal risk is extremely high, and the income also fluctuates and fluctuates greatly, so the investment is vulnerable to market fluctuations, changes in policies and regulations and other risk factors.
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