The super-win risk of investment promotion is the same as that of money funds such as Yu 'ebao, and money funds are not completely risk-free.

In fact, there have been money funds with negative returns in two trading days. First of all, on June 8, 2006, TEDA ABN Amro Monetary Fund's net income per 10,000 funds on that day was -0.2566 yuan, and the annualized rate of return on the 7th fell to 1.6260%, becoming the first fund with negative income on that day in the year. On June 9 of the same year, the daily income of E Fund also showed a negative value. On that day, E Fund's income per 10,000 shares was -0.0409 yuan, and the annualized rate of return on the 7th was 2.2280%.

There are two main reasons for the risk of money funds:

First, investment operation mistakes; Second, take the initiative to operate, cash floating losses. The risk of the money fund is indeed relatively small, and the capital preservation of the money fund is absolute, but in terms of the rate of return, most of them may only be better than the fixed deposit, but there are still a few that are far below the fixed deposit.

Super Win was launched by China Merchants Bank, which is guaranteed, and this business is only open to specific customers of China Merchants Bank, similar to Yu 'ebao, with low risk.

The user agreement of "Super Win" of China Merchants Bank points out that after the customer agrees to open it, the bank card under his personal name will be linked to China Merchants Lucky Treasure Monetary Fund B, and the transfer in and out will correspond to the subscription and redemption operations respectively. The operating experience and user interface of this product are quite similar to that of Yu 'ebao.

At present, T+0 can be redeemed from the fund 1 cent. The maximum daily redemption limit for individual customers is 500,000. Its latest 7-day annualized rate of return is 4.55 1% (as of September 10), while Yu 'ebao's 7-day annualized rate of return is 4. 154% (as of September 65438). However, this business is only open to specific customers of China Merchants Bank (whether customers can open the super-super-English agreement depends on the system settings of China Merchants Bank). Users can open and close the Super Win Agreement through the mobile banking channel of China Merchants Bank, and transfer to and from Ying Chao to inquire about the income details.