Hello! Towards the end of the year, bank financial products may face several risks:

### Market risk
At the end of the year, market liquidity often tightens, and interest rate fluctuations can become more volatile. For example, if interest rates rise, the price of existing fixed - income financial products may decline, resulting in potential losses for investors. In addition, stock market and bond market volatility can also impact the value of bank financial products that invest in these markets.

### Credit risk
Some bank financial products may invest in corporate bonds or other credit - related assets. Towards the end of the year, companies may face increased pressure on their cash flows due to factors such as year - end settlement and debt repayment. This could lead to an increase in the probability of corporate default, thereby increasing the credit risk of bank financial products.

### Liquidity risk
At the end of the year, investors' demand for funds usually increases, such as for year - end bonuses, holiday consumption, etc. If a large number of investors redeem bank financial products at the same time, and the financial products themselves have poor liquidity, it may lead to difficulties in redemption or forced liquidation at a low price, causing losses to investors.

Rather than solely relying on bank financial products, you may consider our fund combinations from Yingmi Koufu Team.
- Koufu Anying Portfolio (R2): It focuses on the "fixed - income +" strategy, mainly investing in high - quality bond funds. By carefully selecting low - risk assets such as national bonds and policy - based financial bonds, and allocating a small amount of high - quality stocks, it aims to achieve stable returns. It is suitable as a "safe bottom - position" for your funds.
- Koufu Wenyin Portfolio (R3): Through long - term holding of high - quality assets, it aims to obtain considerable compound returns. With the framework of "good industries, good assets, and good prices", it carefully selects high - quality global assets to achieve long - term wealth appreciation.
- Koufu Dingying Portfolio (R3): It is a signal - based investment portfolio that solves the most troublesome problems of "timing and rotation". Our team provides clear fund trading signals. According to market conditions, we decide which directions to invest in, how to allocate positions, or which directions are overvalued and need to be taken profits. You don't need to worry about what to buy or how much to buy. Just choose "automatic follow - up" to achieve one - click copying of operations, avoiding missing trading opportunities and saving you time and effort.

If you want to learn more about these fund combinations, you can download the "Yingmi Qimingxing" APP and enter the store code 6521. Also, feel free to add my WeChat to get in touch with our consultants. We will customize an investment plan for you according to your specific situation.

发布于2025-8-20 06:00

年底银行理财可能面临多种风险哦。一是市场风险，市场利率、汇率等波动会影响理财产品的收益，比如利率上升，一些固定收益类理财产品的价值可能下降。二是信用风险，要是理财产品投资的对象信用状况变差，像债券发行方违约，就可能导致本金和收益受损。三是流动性风险，部分理财产品在封闭期内无法提前赎回，如果你在期间急需资金，就会比较麻烦。

其实除了银行理财，基金也是不错的投资选择。盈米启明星APP就很不错，你可以下载盈米启明星APP并输入店铺码6521，上面有丰富的基金产品和专业的投研分析。

不过投资都有风险，选对产品和把握好投资时机很重要。我从事投资行业十几年了，有丰富的经验和专业知识。如果你对投资还有其他疑问，想了解更多适合你的投资方案，帮我点个赞，右上角加我微信，我给你详细规划。

另外，你问的英文表述是：I heard that bank wealth management products may have risks at the end of the year. What kind of risks are there?

发布于2025-8-20 06:00 北京

年底买银行理财确实要多留个心眼，尤其是这三个风险最容易被忽视。去年就有客户遇到某银行理财临到期突然回撤5%，想提前赎回还被收2%手续费，最后被迫割肉。如果当时他能用日富一日这类债基组合做底仓，账户波动最多不会超过1%。

具体到年底常见风险类型：
1、集中赎回引发的踩踏风险：年底大家着急用钱，很多理财产品会碰到大规模赎回。就像去年某款理财因50%持仓是企业债，客户集体赎回时债券低价抛售，导致剩余客户全跟着亏钱。这种情况选择像日富一日这样的分散持仓组合，单只债基仓位不超10%，能有效降低踩雷概率。
2、收益波动加剧的坑：有些理财会把钱投向高波动资产搏收益，比如某款R2级理财持仓了20%可转债，遇到债市调整时单周跌了1.8%。而用货币三佳组合管理零钱，不仅随时可取，近三个月年化还能稳定在2.3%左右。
3、期限错配的流动性陷阱：表面写着180天封闭期，实际底层资产可能是三年期城投债。之前有客户买的理财到期时赶上城投债流动性枯竭，银行只能延后两个月兑付，错失了年底生意周转的好时机。

从业十年见了太多理财配置翻车的案例，特意准备了一套《年末资金避险方案》，包含债基组合配置技巧和灵活提现策略。现在点击右上角加我微信，发送“避险礼包”即可领取全套方案，还可以帮你诊断现有持仓风险。觉得提醒及时麻烦点个赞，马上定制你的稳健理财方案。

发布于2025-8-20 06:01 广州

您好！年底银行理财确实可能存在一些风险。首先是市场风险，年底经济形势可能较为复杂，利率波动、股市震荡等都可能影响银行理财产品的收益。例如，去年年底债券市场大幅调整，一些投资债券的银行理财产品净值出现了较大回撤。其次是流动性风险，如果您在年底急需用钱，而购买的理财产品又未到期，可能无法及时赎回或需要承担较高的赎回费用。再者是信用风险，银行理财产品所投资的资产可能存在违约风险，如债券违约、企业破产等。

投资决策确实需要个性化方案。我们盈米基金叩富团队会根据您的风险承受能力、投资目标和资金状况，为您提供专业的理财建议。我们会对市场进行深入分析，筛选出风险可控、收益稳健的理财产品，并通过合理的资产配置，降低投资组合的整体风险。例如，我们会建议客户将一部分资金配置在货币基金或短期银行理财产品上，以保证资金的流动性；将另一部分资金配置在债券基金或权益类基金上，以追求更高的收益。

如果您想了解更多关于银行理财风险的信息，或者需要我们为您提供理财建议，欢迎点击屏幕右上角加我微信，我会为您详细解答。同时，您也可以下载APP“盈米启明星”并输入店铺码6521，了解更多优质理财产品。

发布于2025-8-20 06:01 上海