Is the structured deposit of JD Finance Rong Fan risky? Analyze it from two angles.

Rong Fan structured deposit is a regular wealth management product sold by Chouzhou Bank on Jingdong financial platform. There are two series of products. Some small partners want to invest in structured deposits in Rong Fan, but they don't know much about the risks of this product. Today, I will analyze the risk of this product from two angles. Keep reading if you are interested.

I. Risk sources of structured deposit products of JD Finance Rong Fan

Let's first understand the risk sources of structured deposits in Rong Fan. In fact, the risk of structured deposits in Rong Fan has nothing to do with Jingdong Finance, which is its sales platform and is only responsible for displaying relevant information of products.

Therefore, the risks of Rong Fan structured deposits of JD Finance are only related to the structured deposits of Rong Fan. Next, let's take a look at how risky its products are.

2. What is the risk of structured deposit products of JD Finance Rong Fan?

In fact, in the product introduction of structured deposits in Rong Fan, it is clearly stated that the product is a principal-guaranteed product, and 65,438+000% of the product principal is invested in bank deposits, so there is no risk for everyone to invest in the principal of structured deposits in Rong Fan, and there will be no loss of the principal.

However, Chouzhou Bank does not guarantee the expected return of products, which is different from fixed-rate deposits.

Therefore, the risk that everyone needs to bear when investing in structured deposits in Rong Fan is the risk that the expected return may not reach, and the investment principal is risk-free.

Summary: From the above analysis, we can know that investing in structured deposits in Rong Fan does not need to bear the risk of principal loss, but the expected return may change, so we can invest according to actual needs.