《知己知彼·理性投资》系列第3期：警惕金融产品营销中的风险陷阱

Group 1 - The article emphasizes the importance of rational investment and awareness of common misleading behaviors when purchasing financial products [4][5][10] - It highlights the risk of "capital protection and guaranteed returns" promises, stating that most financial products do not allow such commitments, except for certain legally established products like deposits and government bonds [4] - The article warns against the confusion of product types and the downplaying of risks, urging investors to read relevant documents carefully and not rely solely on sales personnel's verbal descriptions [6][7] Group 2 - It discusses the use of "hunger marketing" and "celebrity effect" tactics that create urgency, encouraging investors to make hasty decisions without fully understanding the products [7] - The article points out the potential issue of risk assessments being superficial, where sales personnel may lead investors to provide inaccurate answers to inflate their risk tolerance ratings [8][9] - It concludes by advising investors to make informed decisions, avoid blind following of market trends, and understand their own risk tolerance when selecting products [10]