CITIC Xinzhi Anying products are not guaranteed capital but guaranteed interest. According to relevant information, all the wealth management products with higher expected returns of CITIC Bank are not guaranteed. The expected annualized expected return of CITIC's Xinzhi An Ying products is above 5%, and the income and risk level is PR3. CITIC's Xinzhi An Ying products have an annualized rate of return, that is, Xinzhi An Ying products are guaranteed capital and interest, and yield to maturity should take the actual income as the standard.