Hello! There are indeed some potential risks in bank wealth - management products at the end of the year. Here are the main ones:

### Market risk
At the end of the year, market conditions are often complex and changeable. For example, fluctuations in the stock market, bond market, and foreign exchange market can all have an impact on the value of bank wealth - management products. If the investment portfolio of a wealth - management product contains a large number of stocks or bonds, and the market performs poorly, the net value of the product may decline.

### Credit risk
Some bank wealth - management products invest in corporate bonds, trust products, etc. At the end of the year, companies may face greater capital pressure, increasing the probability of default. If the issuer of the investment target defaults, it will directly affect the return of the wealth - management product.

### Liquidity risk
At the end of the year, due to factors such as corporate year - end settlement and the peak of residents' capital demand, the overall market liquidity may tighten. If a bank wealth - management product has poor liquidity, investors may face difficulties in redeeming their funds when they need them, or they may have to accept a lower redemption price.

### Interest rate risk
The central bank may adjust monetary policy at the end of the year, resulting in changes in interest rates. If interest rates rise, the value of existing fixed - income wealth - management products may decline, because newly issued wealth - management products can provide higher yields.

In contrast, the fund combinations of our Yingmi Fubao team can effectively help you disperse these risks.

- Fubao Anying Portfolio (R2): It focuses on the "fixed - income +" strategy, mainly allocating high - quality bond funds. By carefully selecting low - risk assets such as national bonds and policy - based financial bonds and a small amount of high - quality stocks, it aims to achieve stable returns. It is suitable as a "safe bottom - position" for your funds.
- Fubao Wenyin Portfolio (R3): Through long - term holding of high - quality assets, it seeks 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.
- Fubao Dingying Portfolio: It focuses on broad - based indexes such as CSI 300 and CSI 500, and industry indexes such as Hang Seng Technology and smart cars. Through an irregular and non - fixed - amount unique fixed - investment method, that is, our active "signal - based investment" and "index rotation" strategies, the Yingmi Fubao team provides clear fund trading signals. Every time there is an investment opportunity, we will decide which directions can be invested in, how to allocate the positions according to the market conditions, or which directions are over - valued and need to take profits.

If you want to avoid the risks of bank wealth - management products at the end of the year and achieve more stable investment returns, you can download the "Yingmi Qimingxing" APP and enter the store code 6521. You can also add my WeChat to the right corner, and our professional team will customize an investment plan for you.