1, product safety
Ping An Xiang Ying 369 is a non-guaranteed product, and the risk rating of the investment is also moderate, so it seems that the safety of the product is not high. However, the safety of products is not determined by the guarantee of funds and interest. More often, it should be determined with reference to the strength and investment scope of the issuing company.
(1) Established insurance company: Ping An Xiang Ying 369 is issued by Ping An Endowment Insurance Co., Ltd., with great fame and rich investment experience.
(2) Steady investment: products mainly invest in money fund assets, such as central bank bills and collective trust plans. The risk is low and the expected return is relatively fixed.
(3) Bank custody: Ping An Xiang Ying 369 is managed and operated by Ping An Endowment Insurance Co., Ltd., and its assets are managed by Ping An Bank, which is independent of the administrator and has high asset security.
2. Expected yield of products
The expected annualized expected rate of return of Ping An Xiang Ying 369 is more reasonable in personal pension security management products. Because the expected annualized expected rate of return is a theoretical value, the actual expected return should be based on the amount received. However, since its establishment, the product has been overdue or not paid according to the expected expected rate of return, so this expected rate of return is still guaranteed.
3. Will there be any loss?
Whether Ping An Xiang Ying 369 will lose money still depends on the investment scope. As I have said before, products are mainly invested in the money market, and investment projects with high credit, fixed expected returns and low risks, such as national debt, bank deposits and central bank bills, rarely lose money. Because Ping An Xiang Ying 369 adopts diversified investment strategies, the expected income of each investment project will be accumulated in Ping An Xiang Ying 369, so it is unlikely that Ping An Xiang Ying 369 will lose money.
Summary:
Ping An Xiang Ying 369 is issued by Ping An Endowment Insurance Company. Although the principal and interest are not guaranteed, the principal security and expected income are still guaranteed.
. However, due to the 369-day closure period, early withdrawal is not supported before maturity, so investors who value liquidity are not suitable for this type of products.