In the past, we often saw the income after the maturity of wealth management products, so most of the wealth management products we saw rarely had negative income. But now the CSRC requires that the net value of products must be disclosed, that is, the fluctuation of the period before maturity will also be displayed, so we can see the performance of the net value of funds regularly, so the number of negative returns we can see will increase.

In the past, many wealth management products were priced by "amortized cost method", and the accumulated income would be evenly distributed to every day, without seeing the real rise and fall of products in the market. Now, the "market value method" is used to disclose the net value regularly, and the actual performance of the product in the market will be unobstructed, and the income will be high or low, or even negative.

If we find that the net product value is rising, but the income is negative, it may be that we just bought a fund, which has a subscription fee. If the income after confirming the share does not exceed this handling fee, then the net value will rise but the income will be negative.