ICBC's capital-guaranteed wealth management products only guarantee the principal, but do not guarantee that the products will definitely get income, and at the same time do not guarantee the minimum income. Remind investment users to recognize clearly whether they can only recover the principal or the loss caused by redemption before maturity when purchasing ICBC's capital preservation wealth management products.

1. Make sure that wealth management products are sold by banks, not by insurance companies or other financial institutions that cooperate with them.

2. For conservative investors, don't touch net worth and structured wealth management products.

3. Wealth management products with a general risk level of Grade I or II can be purchased with confidence, and those with a risk level of Grade III or above should be cautious.

Any wealth management product has risks, and the difference lies in the level of risks. Generally speaking, bank wealth management products are relatively safe.

Extended data:

Capital preservation wealth management products, including capital preservation, capital preservation income and capital preservation floating income, belong to low-risk wealth management. Guarantee and floating indicate that banks bear different risks. As can be seen from the full name, the guaranteed financial management will have a bank commitment in the agreement. No matter what happens, the bank guarantees that the customer can get back all the principal when it expires.

Three risks of guaranteed capital wealth management products:

1, the real estate price has fallen by half, and the assets are insolvent;

2, the disaster caused by housing damage, insolvent;

3. In loans overdue, the courts are slow to enforce the law, and it is impossible to recover the funds in a short time.

References:

Baidu encyclopedia-capital preservation and wealth management