Core Viewpoint - The article discusses a suspicious investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock trading losses while promising high returns, raising concerns about its legitimacy and potential risks to investors [1][6][13]. Group 1: Product Overview - "An Wo Gu Bao" is marketed as the first insurance product for stock trading, allowing investors to participate without selecting stocks themselves, with a claimed success rate of 97% for stock selection [2][4]. - The product offers a minimum investment of 100 yuan and a maximum of 1 million yuan, with daily trading and profit withdrawal capabilities [2][4]. - The promotional materials suggest that investors can earn monthly returns of 60% to 100%, which is significantly higher than typical market returns [1][9]. Group 2: Company and Regulatory Concerns - The product claims to be backed by a legitimate Hong Kong insurance company, but investigations reveal that the company denies any association with "An Wo Gu Bao," indicating it may be a fraudulent scheme [6][7]. - Experts highlight that stock trading losses are considered speculative risks and are not insurable under traditional insurance models, raising questions about the product's compliance with regulatory standards [6][13]. - The product's structure resembles a Ponzi scheme, relying on new investments to pay returns to earlier investors, which is a common characteristic of fraudulent financial products [13][14]. Group 3: Marketing and Incentives - "An Wo Gu Bao" employs a multi-level marketing strategy, offering rewards for both first-time investors and those who refer new clients, which is indicative of a pyramid scheme [9][11]. - The promotional system includes a "star-level" client program that provides weekly salary rewards based on the number of referrals, further incentivizing recruitment over genuine investment [11][12]. - The marketing claims of guaranteed returns and insurance coverage are designed to lower investor skepticism, but experts warn that such promises are often misleading [13][15].

Core Viewpoint - The article discusses a new investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock investments, promising high returns while minimizing risks. However, investigations reveal significant doubts about its legitimacy and the underlying business model [2][11][18]. Group 1: Product Overview - "An Wo Gu Bao" is marketed as the first insurance product for stock investments, offering a monthly return of 60% to 100% [3][5]. - The product allows users to invest with minimal effort, as it is managed by a strategic partnership with CITIC Securities, which handles stock trading on behalf of the investors [5][10]. - Users can invest amounts ranging from 100 yuan to 1 million yuan, with the option to choose investment durations of 1, 3, or 5 days [5][7]. Group 2: Profit and Loss Mechanism - The product claims that if an investment results in a loss, the insurance company will cover the entire loss, while profits will incur a fee of 30% [7][10]. - An example provided shows a user investing in a technology stock, resulting in a profit after deducting the insurance fee [8][9]. Group 3: Regulatory Concerns - Experts express skepticism about the viability of insuring stock investments, as stock trading is considered speculative risk and not typically insurable [11][18]. - The Hong Kong Insurance Authority does not recognize stock insurance as a valid category, raising questions about the product's legitimacy [11][12]. - Both Hong Kong An Wo Insurance and CITIC Securities have denied any association with "An Wo Gu Bao," indicating it may be a fraudulent scheme [12][14]. Group 4: Marketing and Recruitment Strategy - The product employs a multi-level marketing strategy, offering rewards for referrals and promoting a "star customer" program that incentivizes recruitment [14][16]. - The structure resembles a Ponzi scheme, relying on new investments to pay returns to earlier investors, which is a hallmark of such fraudulent schemes [18][19]. Group 5: Expert Opinions - Industry experts warn that the promised returns far exceed reasonable market expectations, indicating a high likelihood of fraud [18][20]. - Investors are advised to remain cautious and skeptical of any investment promising guaranteed returns, especially those lacking transparency and regulatory approval [20].