回复：With much less risk

You can buy similar products in US market -

Tracking S&P 500; 7 years; ESTIMATED cumulated return 65%; principal FDIC insured. That is if the S&P 500 is down, you get 100% OF YOUR PRINCIPAL BACK; if S &P is up you get % up to 65%; any return over 65% goes to product issuer.

You don't worry about the currency risk (between RMB and us $$); of cause, it could be positive if RMB goes up.