If the poster is sure that the financial product purchased from the Postal Savings Bank of China, then there should be no big problem. At least it will not affect the principal, because 99% of banks in China are now in a state of capital preservation and profit.

But their interest rates are very low. Even for a five-year term deposit, the maximum annual interest rate is only 4.62%. Therefore, it is difficult to affect the principal of such a small amount of money, but no matter how you manage your finances, there are risks.

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There is no doubt that you need to be cautious when investing. It is best to put the 500,000 yuan in different baskets. If you really lose 500,000 yuan, the consequences will be disastrous. Therefore, I suggest you to be careful when managing your finances in the future.

Spread out as much as possible.

Don't put the same eggs in the basket. You can buy some financial products, some bonds, and some funds. This may be a better way to preserve capital.