There is a problem:

First, poor liquidity.

Investing in profit target consists of participation period, lock-in period and profit-taking period. For example, the target profit type II has a lock-up period of 2 months and a profit-taking period of 4 months. The user can't do anything during the lock. Once the profit-taking period reaches the target profit-taking point, it will quit immediately. However, if the take profit period cannot reach the take profit point all the time, it must be held in full at maturity. Therefore, when the poor market conditions in the early stage dragged down the account performance, users had to hold the maturity and endure the declining income during this period, which was really poor compared with the liquidity that public funds and smart investment can withdraw cash at any time.

Second, there is something wrong with the cash pool.

The strategic team behind the target profit is harvest fund, so choosing only harvest fund products will limit the performance of account income. For example, Harvest CSI 500ETF connection, which is often seen in the pool, cannot outperform Guo Fu CSI 500 and Jianxin CSI 500, two enhanced index funds of CSI 500. FOF must not be limited to the products of its own company, but must select the top funds from the 4,000 funds in the market.

Third, there is no certain profitability. It still depends on the weather at present.

It is not difficult to find that although Jingdong Finance claims to have a high historical success rate, there are also many periods that have been running above 2% in the past six months (the target profit type III 1 1, and the performance in February was very unbearable; The same is true of the target profit-taking type 4 in March), and historically, most people who can achieve the profit-taking goal can achieve the goal within 30 days after the profit-taking period has just started.