1. Is the 30-day bond of Guangfa Wealth Management guaranteed?
The answer to whether the 30-day bond A of Guangfa Wealth Management is guaranteed is clear: it is not guaranteed. Guangfa Wealth Management 30-day Bond A is a bond-type securities investment fund. Although the product risk level is low, the investment may also lose money.
2. How likely is it that GF Finance will lose money on its 30-day bond A?
The 30-day bond A of Guangfa Wealth Management is not guaranteed, so what is the possibility of losses? To answer this question, we can consider from two aspects: product investment scope and historical expected return performance.
From the investment scope, 82% of the 30-day bonds of Guangfa Wealth Management are bonds, and 15% are bank deposits. Bank deposits are very safe, and bonds are mostly bonds with high credit rating and good liquidity, so the probability of getting back the principal and interest is very high. Therefore, most of the funds invested in the 30-day bond A of Guangfa Wealth Management flow to the investment field with high security, and it is unlikely that the product will lose money.
Judging from the historical expected return performance, Guangfa Wealth Management 30-day Bond A has been running for five years since the establishment of 20 13. During this period, the principal and expected income of the product have been paid in full, with an increase of 4.39% in 1 year. Historical performance can be said to be excellent and stable. From this point of view, it is unlikely that GF Finance will lose money on its 30-day bond A.
Summary: As a "sound financial management" product on Alipay, you don't have to worry too much about whether to break even.