The expected annualized rate of return of 90-day personal wealth management products is 4.25%-4.3%.

As can be seen from the product manual:

The risk rating PR2 indicates that the risk is low, but it belongs to non-guaranteed capital.

Product type: non-guaranteed floating income category

Early termination: ICBC can terminate this product early in case of major events according to market changes. It shows that investors are very passive.

The initial purchase cost is small and high. Buy from 50 thousand. Explain that you need a certain amount of financial strength to invest.

To sum up, ICBC's personal 90-day wealth management products are not safe.