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.