China Merchants Bank's Super Bao Chao is actually a kind of money fund, with extremely low risk, because money funds mainly buy bank deposits, some certificates of deposit and some bonds, and the proportion of bonds in them is also very low, so money funds generally cannot have risks.

If the money fund is risky, the whole country may not be safe, because bank deposits can be said to be the most basic cash business in a country, which will not change for thousands of years.

The risk of Chaochaobao is not high. We can find the risk of Chaochaobao from two aspects. All five products connected with Chaochaobao have risk warning, and the risk warning of each product shows that the risk level is R 1 (low risk).

This can also be done when analyzing the risks of other wealth management products. R 1 is low risk, R2 is medium and low risk, R3 is medium risk, R4 is medium and high risk, and R5 is high risk. Treasury bills, bills, deposits, etc. It belongs to fixed income products, while stocks, foreign exchange, etc. It belongs to equity products. When the investment direction includes equity products, you need to be alert to risks.

Chaode's income

1, Chaochaobao belongs to current wealth management products. If compared with similar current wealth management products, its income is not lost to other products. At present, Chaochaobao's 7-day annualized income is basically stable between 2.85% and 2.9%, which is higher than some baby-like current wealth management products connected with the money fund.

2. After the implementation of the new asset management regulations, banks will no longer issue wealth management products with guaranteed capital and interest. Except for products with fixed interest rates such as deposits and treasury bonds, the yields of other products are often marked by performance comparison standards, 7-day annualization, 10,000-share income and near 1 year income.

It should be noted that the performance comparison standard is the target rate of return of products, and the 7-day annualized income, 10,000-share income and near 1 year income are all historical income and cannot represent future income. If we pay more attention to the income of products, it is suggested that we should pay attention to the stability of product income in addition to these yields.