As a monetary fund product, Xingquan Tianlibao belongs to low-risk financial management products. Its risk is only higher than bank savings, which is called "quasi-savings". However, because the principal is not guaranteed and the income fluctuates, it is possible to lose the principal under extreme market conditions, so it is risky to add Bao Li to Xingquan, but the risk is low. Investors can diversify their investments and reduce the investment risk of single money fund products.