1. If you are talking about a wealth management product with a risk level of R2, as long as it is a wealth management product issued by a regular big bank, the principal and interest are guaranteed so far and can be repaid.

2. The concept of financial management in 2022 must be stable, that is, we should turn our previous concept of making money into capital preservation. Is there a financial management method in the market that is not as volatile as stocks and funds and can be higher than bank deposit income without fluctuation?