[Financial Products] CMB's new daily gold of 8158

I have previously written a blog about ultra-short-term financial management products of banks. Recently, CMB has launched some differentiated products for the daily gold/daily profit series, among which "golden sunflower exclusive"-RMB daily gold (ProductsCode: 8158) more interested. Compared with daily profit (8166), 8158 has the following main features:
(1) The recent annualized rate of return is the same as 8166 (both 1.55% );
(2) 8158 guarantees the capital, and 8166 does not.
(3) The initial subscription amount of 8158 is 0.2 million.

Banking wealth management products have been innovating, and financial management methods should keep up with each other closely, from the first 8136 to 8166, and will be better with 8158 in the future. Combined with the new stock purchase and reverse repurchase of government bonds, this low-risk combination will be the main financial management strategy before I buy a house.