Is the rate of return agreed above guaranteed? Generally speaking, it can be cashed and there is basically no risk. However, once the stock market and bond market plummet for a long time, the actual rate of return may be lower than the agreed rate of return, and there may even be a loss of principal, but the probability is very low. People hope to find a low-risk fund that can outperform CPI. In this respect, Class A graded fund is definitely a good product. Generally speaking, its agreed rate of return is not only higher than the bank's one-year fixed deposit interest rate, but also higher than the CPI growth rate, and the product income is less affected by stock market fluctuations, which can be used as a reliable choice for investors to allocate fixed-income products. It can be seen that the classified fund Class A is an ideal fund that prefers low-risk investors, and its income is definitely higher than that of bank deposits, especially in bear markets and volatile markets.
If the bond market is rising, B shares will bring you quite high returns. Generally speaking, A and B can be converted according to the situation of stock market and bond market, so as to avoid risks without losing high-yield opportunities.