The reason why the maturity income of Huifu Wealth Management of Gansu Bank has not been reached is that the expected rate of return announced by the bank is inconsistent with the actual rate of return, and the investment target of Huifu Wealth Management is risky.

1. The expected rate of return announced by banks is inconsistent with the actual rate of return: when banks launch wealth management products, they usually announce the expected rate of return of the products, and the actual rate of return may be affected by many factors such as market interest rates, economic environment and policy changes, resulting in the actual rate of return being lower than expected.

2. Huifu wealth management has high investment risk: the wealth management products of banks usually invest in various targets, such as stocks, bonds and funds. And the risk of the investment target is high, such as market fluctuation and credit risk, which also leads to the income not reaching expectations.