Yes, as long as it is a wealth management product, it is not guaranteed, so the principal may be lost. After the implementation of the new asset management regulations, bank wealth management products will no longer be carried out. Even the monetary wealth management products with the lowest risk do not promise to protect the principal, and there is also the risk of principal loss.

Low-risk financial management is mostly bond funds. Bond funds are risky because they may face credit risk, interest rate risk and bond price change risk. For example, if the debt of the bond issuer is in crisis and the bond fund may not pay, then the income of the bond fund will be affected.