Factors such as changes in regulatory policies and sluggish performance.

The main purpose of this name change is to avoid investors from forming "rigid redemption" expectations of absolute capital preservation for such products, and to prevent potential risks in the industry in advance.

Capital-guaranteed funds are significantly weaker than monetary funds that also have capital-guaranteed functions, with an average annual investment return rate of 97%.

Generally speaking, capital-guaranteed funds invest most of their assets in fixed-income bonds so that investors' principal will be paid when the fund expires, and about 15%-20% of the remaining assets are invested in stocks and other instruments to increase return potential.