1. Major securities
As a monetary fund, Guangfa Money Bag is actually not guaranteed. Whether you buy the fund from the official channel of Guangfa Fund or from Guangfa Bank, you are reminding that the product does not guarantee the principal and the minimum expected return. Money funds are not deposits, and of course they may lose money.
The money fund mainly invests in low-risk assets, such as interbank deposits, agreement certificates of deposit, government bonds and so on. And the probability of problems with these assets is very small. Guangfa Money Bag has been making money every day since its listing on 20 14, and there has been no loss, and there is no major problem with the principal security.
2. Capital security
The funds invested by investors in Guangfa Money Bag Fund are managed by the fund custodian bank. The fund company is only responsible for issuing trading instructions, and the bank transfers funds according to the trading instructions. In other words, the funds invested in Guangfa Money Bag can't be misappropriated by fund companies, and the banks or third-party fund platforms (such as Alipay and WeChat Wealth Management) responsible for consignment can't access the money, so the fund's trading funds are relatively safe.
3. Fund risk
As a monetary fund, Guangfa Money Bag is generally risky because of large redemption. Institutions holding a high proportion of money funds are more risky. Among the holders of Guangfa Wallet, institutions and individuals each account for half, and the proportion of institutions is slightly higher. If you invest, you should pay close attention to the institutional trends.
Based on the analysis of the above three aspects,
Generally speaking, Guangfa Money Bag is a safe money fund, and the expected principal income is less likely to lose money.
Investors need not worry too much.