Nothing can be guaranteed 100%, that's for sure. Any investment is risky. A contract is legally binding, so it is generally not guaranteed. That means they know they won't 100% guarantee.

Verbal promises can only be used for reference and cannot be trusted. In addition, some banks' wealth management products are actually high-risk financial products such as creditor's rights or funds. The risk is quite high.

The key lies in your own multi-party investigation, and don't blindly believe because the other party is a bank.