There will be losses. JD.COM selects regular income to make losses, and the regular income mainly invests in fixed income assets and equity assets, which is suitable for investors with sound financial management needs. It is a steady appreciation of assets under the premise of pursuing low fluctuation risk, but this product will also lose money. The regular profit of JD Finance is a fund portfolio product. The strategy of fixed-term interest 180-day fund portfolio is to achieve steady appreciation through reasonable asset allocation with absolute income as the goal.