I am a financial manager, and I usually pay attention to all kinds of financial management of banks, brokers and funds. According to the product manual of CITIC Jiantou, Gushuxin is a wealth management product of securities firms. There are two series, fixed and floating, which are called "fixed income, stable enjoyment" and "fixed income, intellectual enjoyment", and there is also a VIP series called "fixed income, exclusive enjoyment" (probably high income). Among them, "stable income and stable enjoyment" can protect the capital and protect the income; "An Trust enjoys wisdom" depends on the performance of the linked targets (the linked targets that have been issued should include gold, treasury bonds futures and stock index futures), but there are guaranteed returns, and the principal can also be guaranteed. Bank financing is now called the expected rate of return, which can be achieved at present, but it is normal for the regulatory requirements to break the rigid payment and fail to achieve the expected rate of return in the future. To put it bluntly, it's almost enough to buy now, depending on who has a high yield ~