Since the advent of Yu 'ebao, Internet wealth management babies have emerged one after another, including many Internet wealth management products. The internet department and the fund department are three pillars. Minsheng Bank also bought its own wealth management baby Ruyibao. Since investors are most concerned about the expected annualized expected income of wealth management products, will they lose money by investing in Ruyibao?

Will Minsheng Bank Ruyibao lose money? Will Minsheng Bank Ruyibao lose money? Ruyibao's main docking product is a monetary fund product of Minsheng Jiayin Fund-Minsheng Jiayin cash treasure. According to WIND's statistics, since the establishment of 20 13, 10 and 18 funds, will the annualized expected income of Minsheng Bank be a loss? Ruyibao's main docking product is a monetary fund product of Minsheng Jiayin Fund-Minsheng Jiayin cash treasure. The money fund does not promise to protect the capital. But in fact, if the money fund wants to lose its principal, it must meet two conditions at the same time, and the probability of these two extreme situations happening at the same time is very small.

First, in the short term, the market expects the annualized expected rate of return to rise sharply, resulting in a sharp drop in securities prices;

Second, money funds are redeemed in large quantities at the same time, and bonds with falling prices cannot be held at maturity, resulting in actual losses after selling bonds.

According to relevant professional calculations, the probability of a single-day loss of principal in the money market is about 0. If you hold it for a week or a month, the probability of principal loss is close to zero. With the extension of holding period, the loss probability caused by market risk will drop to zero. Judging from historical data, there are only a handful of single-day losses in the domestic market in the past decade, and there has never been a situation of continuous losses for more than two days. It is better to break even if you don't break even. In this way, the money fund has always enjoyed the reputation of "quasi-savings". Nowadays, with the rapid advancement of internet financial innovation, the money fund has been constantly sweeping away the liquidity and investment threshold, and its value as an excellent cash management tool is increasingly recognized by the public.

Finally, I would like to remind you that although the risk of money funds is low, the market is risky, so we should be cautious when entering the market.