1. Investment scope of China Merchants Currency A and Zhaolibao
China Merchants Zhaolibao is a money fund, and its investment varieties are mainly low-risk money market instruments, such as certificates of deposit, deposits, central bank bills, national debt and so on. Check the position structure as of September 30, in which bond assets account for the rest and the rest are cash. The cash here is different from the current deposit in the bank. It may be an agreement deposit, an interbank deposit certificate or something. In short, from the perspective of investment scope, the varieties invested by China Merchants Zhaolibao are relatively safe and unlikely to lose money.
Second, the historical situation of the Monetary Fund
Historically, money funds are likely to lose money. There are two money funds with negative expected returns in history, which means that the day was negative expected returns. If the bonds invested by the IMF default, the bond issuer cannot pay, and the IMF may also lose money.
In another case, the large-scale redemption of the holders of money funds leads to the fund managers being forced to sell the bond assets, resulting in losses. If these two extreme situations occur, Bao Li currency A may also lose money in attracting investment.
Third, does investment attract Bao Li to protect its capital?
What needs to be clearly informed is that China Merchants Zhaolibao is not a deposit and does not promise to protect the capital. In fact, apart from national debt and deposits, there are no financial products with clear capital preservation in the market. However, the safety of attracting investment and attracting Bao Li is still relatively high, so we don't have to worry about it.
In general,
The currency A of China Merchants Zhaolibao is not guaranteed, but it is less likely to lose money. Money funds are generally less risky, so let's relax.
Just pay attention to the expected rate of return.