Fixed-term wealth management products, rather than fixed deposits, have higher returns than fixed deposits, but they are risky and may lose money, so after you redeem them, you will not get the principal.

According to the requirements of the new asset management regulations, wealth management products other than "deposits", including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", mainly depending on the asset targets invested behind the products.