There is no absolute capital preservation in the capital market. The capital preservation of bank wealth management products is generally guaranteed by the bank's personal reputation and assets. For example, for the four major banks, the risk of capital preservation is extremely low and can be ignored. Of course, some small commercial banks have closed down. With the acceleration of China's interest rate marketization, the bank deposit insurance system has been introduced (that is, deposits placed in banks will also be risky, and banks will only be responsible for partial capital preservation, with a maximum possible compensation of 500,000 yuan).
Capital preservation financial management is relatively stable, but it is not risk-free, so don't believe the so-called capital preservation, because the state has regulations that you can't promise capital preservation and capital preservation income in the capital market, which is not recognized by law. The so-called capital preservation only means that the risk is relatively low. Unless banks fail or investment companies fail, there will be losses. In general, there is no problem.