Does China Life break even every day?
China Life Jianian Tiantianying is a personal old-age security management product. This kind of product does not promise capital preservation, nor does it guarantee the minimum expected income. This product introduction page will generally clearly remind users. However, from the actual situation, it does not mean that it is unsafe for China Life to break the capital every day. The specific situation needs specific analysis.
How likely is it that China Life will lose money every day?
From the perspective of risk level, China Life Jianian Tiantianying is a medium-risk wealth management product. The possibility of loss of such products is probably between Yu 'ebao and bond funds. Yu 'ebao is a low-risk wealth management product, and bond funds are medium-risk funds. The risk of investment products of China Life Jianian Tiantianying is slightly lower than that of bond funds, so the probability of loss is lower than that of bond funds.
From the investment scope, China Life Insurance Jianian Tiantianying mainly invests in liquid assets, fixed income assets and high-credit non-standard assets. Liquid assets mainly refer to short-term deposits and bonds, which are relatively safe.
Fixed income assets are mainly bonds and securitized financial products, which are relatively risky, but the probability of accidents is not great. Non-standard assets with high credit can be regarded as bank financing, securities financing and trust financing. Judging from the actual situation, there are few losses.
Based on the above analysis,
China Life's annual profit is not guaranteed, but it is unlikely that its products will lose money.
Investors need not worry too much.