For wealth management products, the agreement is to protect the principal, and the protection of natural principal can be determined. As long as there is no specific big storm.

There is not much difference between the financial products of securities companies and banks. The common difference is the investment direction. Banks can handle all kinds of "loan" products through trust companies to obtain income. Securities companies generally invest in the open securities market.

Since the capital is guaranteed, its investment scope and investment methods are very limited, and the income will naturally not be high.

Also; People talk about expected returns, not guaranteed returns. There is an essential difference!

The current market is very likely to realize the expected income.