Recently, some media reported that many bank-trust cooperation products (trust products transformed into funds) faced an embarrassing situation of net asset value (NAV) falling below par or likely to fall below par. For a time, these products have become the target of public criticism and质疑. Under such a situation, investors who did not purchase these products at the beginning secretly rejoiced, while those who had purchased were sitting on pins and needles. Moreover, many investors have already made up their minds to redeem in advance and stay away from these products. Then, are these products really worthless?