The fumandou time deposit of the rural commercial bank will definitely not lose money.

Personal advice:

Because time deposit itself has a certain value-preserving property, users who participate in time deposit can get an annualized return on investment of 1%~3%, which is what we often call interest. At the same time, users don't need to worry about the risk of principal loss of time deposits, because the income of time deposits is very stable, and it is also a guaranteed income, which means that users can never lose the principal.

If users want to get a higher return on investment, users can choose to invest in money funds or other types of fund products. However, investment fund products need to bear certain investment risks, and different fund products will have different historical maximum retracement. Users need to choose their own financial products according to their actual situation.

Basic information of Fumandou time deposit (from bank publicity):

If you have more than 200,000 yuan in 50 yuan and want to increase the value on a regular basis, but you are afraid that the investment amount is small and there is no good income, Nong Shang Jun suggests that you can choose "Fumanduo" products, and the income of time deposits is guaranteed ~ If you have more than 200,000 yuan and want to have high income, Nong Shang Jun strongly recommends that you directly choose "Ruyi Deposit" products, the income is almost equal to wealth management, and the deposit is risk-free ~

Risks of bank time deposits;

1. According to the provisions of deposit insurance, when your principal and interest are less than 500,000 yuan, the bank can pay in full. Even if the bank goes bankrupt, money with principal and interest less than 500 thousand can be absolutely safe. However, if the depositor's time deposit principal and interest exceed 500,000 yuan, there is a risk of loss if the excess is exceeded.

When inflation happens, the currency will depreciate. And your time deposit in the bank will also be affected by it and may depreciate. If the interest rate of your time deposit can't "outrun" the depreciation rate of RMB, then the time deposit will depreciate.