No, funds and wealth management products are not capital preservation products, and the loss principal is borne by investors themselves, and funds and wealth management products are not included in deposit insurance, so the funds are not guaranteed. Only time deposits are capital-guaranteed products and are included in deposit insurance.

if investors can't bear the risk of principal loss, it is better to choose time deposit. If investors can bear the risk of losing principal, then it is better to choose financial management or funds.