When buying wealth management products at a bank, you need to look at a few things:

1/ Risk level: R1 is principal-guaranteed, R2 may lose money in extreme cases, R3 has higher volatility.
2/ Don’t just look at annualized returns. Banks like to play word games. The annualized return may look high, but it’s actually constantly declining because it was very high when it first launched and was unavailable for purchase. What you see is always higher than the actual return.
3/ Product investment type: Check what type of assets this product is investing in.
PS: Products that display earnings per 10,000 units are generally principal-guaranteed.