China Life Guangyuan 366 is a financial product on WeChat Financial Management. The product period is 366 days and the annualized expected return is 0. Many people are interested in this expected return. So is China Life Guangyuan 366 risky? Let’s briefly analyze it below. If you are interested, please read on.

Is China Life Guangyuan 366 risky?

1. From the perspective of investment scope, China Life Guangyuan 366 mainly invests in liquid assets, fixed expected return assets, real estate assets and other financial assets with high credit ratings, and does not invest in stock assets. Liquid assets include bank deposits, currency funds, etc., and fixed expected return assets include bonds, bond funds, etc. The risks of these investment types are not high, and the price fluctuations are relatively small, so the risk of loss of China Life Guangyuan 366 is not large.

2. From the perspective of product nature, China Life Guangyuan 366 is a net value financial management product. Its assets are given a net value based on daily market quotations, and the profit and loss situation is transparent and visible. Judging from the historical net value, the daily net value of this product has not fallen in the half month since its establishment. In the short term, China Life Guangyuan 366 may have net value fluctuations, which will result in losses, but after the expiration of the 366-day lock-in period, China Life Guangyuan 366 should have no problem returning to positive expected returns.

3. From a historical perspective, China Life Guangyuan 366 is a personal pension security management product. This type of product is very common in Wealth Management and Alipay and is a popular product in 2018. Alipay's regular financial management is almost all this type of financial management. Historically, it has been 100% repaid, and there have been no problems with similar products through Wealth Management. Judging from the historical situation of similar products, the risk of China Life Guangyuan 366 is still relatively low. Okay, that’s all about the risks of China Life Guangyuan 366. I hope it will be helpful to everyone.

Warm reminder, financial management is risky, so be cautious when investing!