A client asked about the risk of keeping an investment
She asked if there was risk in staying in her current investment product. I told her it was not a bank自营 product, and suggested alternatives after maturity.
The screenshots were masked before they were posted. Names, avatars and birth details are covered in the originals; where a translated line reads [redacted], the source was covered too and nothing has been guessed.
Zongyuan
For your second question: whether there is risk if you stay in this product. Ren water overflowing forms the Kan trigram above, which means this is not from a formal institution. The product you bought is not a bank's own product. It is either from a marginal financial institution, or sold through the bank on a third-party basis — the bank does not take responsibility for it. The hour stem Ren water moves from the Li palace to the Kun palace. Water meeting the Ying star means falsehood, or another layer of shell structure. Even after rectification, the underlying assets are still not solid. This time most people will tell you it is a construction project or real estate project, but overall it is not reliable.
My suggestion: when this sum of money reaches maturity, move it to the Xun palace — that is, the actual real estate market, or put it into the banking system to buy products that are more directly run by the bank. You can get decent, low-risk returns. This chart shows a clear sign of profit from real estate. You may consider using that.
The state of heaven and earth:
Tianfu Star, Du Gate, Wu
Tianying Star, Si Gate, Ren (representing the client)
Seeking wealth with seal star and official ghost means carrying risk in investment. I do not recommend proceeding.
To put it simply: take the money out when it matures, make an asset plan. Do not buy the original product. Buy bank-run products or enter real estate — both can give decent returns. Real estate can see significant appreciation, with favorable government policies visible.
接下来的第二个问题，如果再跟进有没有风险: 壬水泛干为坎卦在上，也说明不是正规军，你买的产品不是银行的自营产品，是边缘的金融机构产品或者是银行代销此类业务，银行不担责。时干壬水从离宫转干到坤，见水逢英为虚假，为继续套壳，整改后底层资产还是不扎实。这一次多数告诉你是修建类的项目或者房地产项目，但总体不可靠。
建议这一笔资金到期后转干入巽宫，也就是实在的房地产市场，或者是进入银行体系买偏自营类项目，可以有不错且低风险的盈利。这一卦有明显但你从房地产获利的象，可以考虑借用。
天地之态
天辅星 杜门 戊
天英星 死门 壬 （我）
求财见印星官鬼，为背负风险投资，不建议搞。
简单说哈，到期拿出来后，做个资产规划，不买原来的产品，买银行自营产品或进军房地产，都有不错的获利，房地产可以有大幅度升值，可见政府利好。
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The underlying assets of the wealth management product
理财产品的底层
Tell me the name of the product
你把产品名称告诉我
Client
Okay, the one I currently bought is
好叻，我目前买的这个是
Jinsha Road Bridge (Zhuangfei Plaza) Tourism Industry Convertible Bond Class D
金沙路桥（壮飞广场）旅游产业转向可转债D类
It is a convertible bond launched by a securities company. It really is not from a bank
是证券公司推出的可转债，确实不是银行的
Zongyuan
So it invests in construction and real estate
就是投的建造和房地产业
Just as I said
如我所言
Client
Hehe, yes
嘿嘿对
Last year there was a debt default in Guizhou, and repayment was delayed. It was really scary
去年贵州这种债务暴雷，兑付已经延期了，吓死个人
That is why I am quite worried
所以挺害怕的
15:56
Zongyuan
You may consider these three: Bank of Shanghai, Zheshang Bank, China Merchants Bank
你考虑下上海银行 浙商银行 招商银行 这三个
Client
Wow, they are all southern banks
哇哦，都是南边的银行啊
The loan for my office building is with Bank of Shanghai
办公楼的贷款就是在上海银行
[emoji] amazing
[emoji]神奇