I work in financial management, and I usually pay attention to various types of financial management in banks, securities companies and funds. According to the product description of CITIC Construction Investment, Gushouxin is a financial management product of a securities company. There are two series, fixed and floating, respectively called "Gushuxin·Stable Enjoyment" and "Gushuxin·Zhixiang", and there is also a VIP series called "Gushuxin·Exclusive Enjoyment" (probably the highest yield point ). Among them, "Gushu Xin·Steady Enjoyment" can guarantee the capital and income; "Gushu Xin·Zhixiang" depends on the performance of the linked targets (the linked targets that have been issued should include gold, treasury bond futures, and stock index futures), but there is a guaranteed bottom line. Minimum return and principal guaranteed. Bank financial management is now called the expected rate of return, which can still be achieved at present, but regulatory requirements break the rigid payment, so it is normal that the expected rate of return cannot be achieved in the future.

To put it bluntly, it’s almost the same when buying now, it just depends on who has the higher yield~