One of the risks of lucky treasure is market risk. Market risk refers to the risk brought by asset price fluctuation caused by market supply and demand, policy changes, international economic environment and other factors. Lucky treasure is a wealth management product based on money fund. The money market has always been high-risk and low-return, especially when the market environment fluctuates greatly, the income of the money fund will also fluctuate violently, so Zhaocaibao needs to be more cautious in controlling market risks.

The second risk of lucky treasure is liquidity risk. Liquidity risk refers to the risk that funds cannot be fully realized according to the expected period or the realized price drops sharply relative to the standard market value. Lucky treasure pursues high liquidity for investors' funds, but at the same time it can't guarantee that all assets of the fund can be realized quickly. If repayment is difficult, the investor's principal and income will be affected.

The third risk of lucky treasure is credit risk. Credit risk refers to the risk that creditors or market participants cannot fulfill their debts/obligations within the agreed time limit, resulting in losses for investors. Although Zhaocaibao has carried out strict risk measurement and evaluation before the product goes online, there is still the possibility of misjudgment in the credit evaluation of investment targets such as bonds and bank deposit certificates. If the bond defaults, it is easy to cause substantial losses in interest and principal for Zhaocaibao investors.