The ingenuity of ABC is not a guaranteed wealth management product, and it will lose money, but the probability of loss is low. The funds raised by it are mainly invested in the following financial instruments:

1. Money market instruments, including but not limited to cash, various deposits, interbank certificates of deposit, interbank pledged repo, buyout repo and exchange repo.

2. Fixed income securities, including but not limited to government bonds, local government bonds, central bank bills, policy financial bonds, financial bonds, corporate bonds, corporate bonds, convertible bonds, exchangeable bonds, ultra-short-term financing bonds, short-term financing bonds, medium-term notes, directional debt financing instruments (PPN), asset-backed securities (ABS), asset-backed notes (ABN), standardized notes and others.

3. Money market funds, securities investment funds and various asset management products or plans.

Therefore, when the subject matter of its investment falls, it will lead to the reduction and loss of the investor's principal.