China Bank's live treasure belongs to low risk. \ x0d \ x0d \ BOC Lifelong Bao is an Internet wealth management product launched by the second largest state-owned bank in China after Bank of China launched its own balance treasure business. It calculates the income every day, distributes and pays the income, and the daily income of investors will be converted into fund shares for rolling investment. \x0d\\x0d\ BOC Yishengbao Monetary Fund mainly invests in highly secure and stable financial instruments such as bank call deposits, certificates of deposit, bonds and medium-term notes. From the historical data, the income far exceeds the current demand. Compared with the investment thresholds of 50,000 yuan and 65,438+10,000 yuan for other wealth management products, BOC Lifelong Bao has the advantage of 1 yuan and is free of handling fees. Investors can withdraw cash at any time after purchasing BOC Lifetime Treasure. \x0d\\x0d\ So, is it risky for BOC Yishengbao to have such advantages? According to Bian Xiao's understanding, compared with other live treasure products, BOC Live Treasure is safer. That is, the fund custodian bank monitors the funds of its money funds throughout the whole process to ensure the safety of their funds, and investors verify the identity of the funds before investing in BOC Lifetime Bao to ensure that it is a real-name operation. In addition, BOC Lifetime Fund is a money market fund, which belongs to a low-risk variety of securities investment funds, and its risks and expected returns are lower than those of equity funds, hybrid funds and bond funds. \x0d\ Undoubtedly, as any financial product, there are certain investment risks, and Lifelong Bao is no exception. \x0d\ 1。 It has certain market risks: the money fund is invested by the current treasure, so as long as it invests, it has certain risks and cannot guarantee absolute returns. \x0d\2。 Lack of obvious capital destination tips: when investors buy funds through futures treasure, futures treasure does not give obvious capital destination tips to investors, and it also lacks risk tips and proof of fund purchase. \x0d\3。 Suspected of illegal propaganda: Yishengbao only introduced the highest income to people in the propaganda, but did not mention the minimum income, which violated relevant regulations. \x0d\4。 The operation of the fund pool is risky: the live treasure of Oriental Fortune is redeemed in real time at its own expense, which has certain risks in the face of "money shortage".