First of all, the product background of 105 days is massive.
According to the product introduction on Alipay, Blue Ocean Quantification 105 Day is a product of the securities firm's collective asset management plan, which is issued by Haitong Securities Asset Management Co., Ltd., a wholly-owned subsidiary of Haitong Securities, with a registered capital of 2.2 billion yuan and a net capital of 8.6 billion yuan. Its strength is relatively strong and the background risk of the issuer is relatively small.
Blue Ocean Quantization 105 Day is a securities firm's collective asset management plan product. The investment direction is generally low-risk assets with fixed expected rate of return, such as bank deposits and short-term bonds with high credit ratings, which are relatively safe. Its investment strategy will also be adjusted in time according to market conditions. Once there is a loss trend, the funds will be moved to investment products with more stable expected returns.
Through the above analysis, considering the product background of Blue Ocean Quantification 105, its risk is relatively low.
Secondly, the blue mass has increased the risk level of 105 days.
The risk level of 105 days displayed on Alipay product introduction page is medium-low risk, which is relatively rare in securities firms' collective asset management plan products. The risk rating of general securities firms' collective asset management plan products is medium risk, such as Xingye Golden Kirin. There are also some personal pension management products that also belong to the low-risk level, such as Jianxin Pension Feiyuebao.
From this difference, the risk of blue ocean quantification 105 days is relatively high in similar products. If you buy Alipay's personal old-age security products and don't worry about its risks, then the risk of Blue Ocean Quantization 105 days is similar, so don't worry too much.
Third, the blue mass has become the historical redemption of 105 days.
Blue Ocean Quantification 105 does not promise to guarantee the principal and minimum expected income, but from its historical situation, the principal and interest are paid at 100%, and no loss is generated. From this perspective, its risk is still relatively low.
Summary:
Blue Ocean Quantification 105 is a regular wealth management product of securities firms, with low risk and 100% redemption history. It is a regular wealth management product with low risk.
, suitable for investors with corresponding risk tolerance.