China Merchants Bank Yueyuebao is a wealth management product launched by China Merchants Bank. The main reason why many users invest in bank wealth management products is that the risk of bank wealth management products is relatively low. Then, will investing in the wealth management product of China Merchants Bank Yu 'ebao lose the principal? Let's get to know each other.

Will China Merchants Bank lose its principal in Yu 'ebao?

Yes

China Merchants Bank Yu 'ebao also has the risk of principal loss. China Merchants Bank Yu 'ebao is a non-guaranteed wealth management product, and the corresponding risk level is R2 risk. China Merchants Bank's Yu 'ebao wealth management products mainly take treasury bonds, local government bonds, central bank bills, government agency bonds, financial bonds and corporate credit bonds as investment targets, so the risk of Yu 'ebao is higher than that of monetary funds.

The risks of China Merchants Bank's Yu 'ebao are mainly reflected in credit risk and interest rate risk. From the perspective of credit risk, Yu 'ebao mainly invests in government bonds and local government bonds, and the possibility of such bonds breaking out is relatively small. However, once the company has credit risk, it will cause losses. From the perspective of interest rate risk, the rise of market interest rate will lead to the decline of bond prices, thus causing losses to wealth management products.

In short, China Merchants Bank's monthly wealth management products may also lose the principal, but the risk is relatively small, but it is not foolproof. Moreover, the monthly treasure of China Merchants Bank is not redeemed in real time, and there is a redemption time limit. Generally, it can be redeemed at 9:00- 15:00 on the trading day, and the redemption funds are generally received within 3 trading days of the product opening day.