It is the fund, not the bank deposit. If you don't guarantee the principal, you will still lose money. However, the funds raised are invested in creditor's rights assets such as deposits and bonds, and the probability of loss is lower than that of equity funds.

Investors who bought Xingyin Tianlibao before 15: 00 on the trading day shall confirm their shares according to the net value announced in the evening of the same day, and investors who bought Xingyin Tianlibao after 15:00 shall confirm their shares according to the net value announced in the evening of the next trading day.