JD.COM Xiaojinbao is a wealth management product launched by Jingdong Financial Platform. Its essence is investment-linked insurance, which neither guarantees the principal nor the income.

JD.COM Xiaojinbao is actually an investment-linked insurance (two-insurance). According to the characteristics of investment-linked insurance, its investment return is uncertain, and the product risk is borne by the investor himself.

Simply put, the rate of return shown on the product page may not be reached, and even if the market is bad, the investment-linked insurance may lose money. Even if the product loses money, it is useless for investors to find an insurance company, because this is because the insurance company explained the risks in the product information in advance, and the investment-linked insurance is different from the universal insurance with guaranteed income.

Extended information:

JD.com Treasury

"JD.com Treasury" is a personal asset value-added service provided by JD Finance. On the closed loop of JD.COM ecological circle, users can seamlessly integrate into the consumption ecology of JD.COM. The funds in "JD.com Treasury" can not only make money for users, but also be used for shopping and consumption in JD.COM Mall at any time. Soon, the "Jingdong Small Treasury" can also be directly used to settle the bill of "JD.COM White Bill", and it can also be used for credit card repayment.

after logging in or opening the "jingdong vault", users can get randomly distributed virtual experience money by participating in interactive games on the financial channel page, and earn the monetary fund income generated by the virtual experience money every day.

People's Daily Online-Jingdong Small Treasury School Virtual Experience Gold