ICBC Ruyi Gold, also known as brand gold, is gold with a purity of 9999 cast by ICBC itself. The price is higher than that of paper gold 10 yuan, mainly due to the costs of casting, storage, transportation and technology. Divided into 20, 50, 100, 200,1000g. If you buy large grams, there should be a preferential price at present. Icbc can redeem, that is, it can withdraw cash and handle it with certificates and gold bars. The redemption price is generally the price of paper gold on that day. Buying physical gold requires storage, transportation and delivery costs, so the price is naturally high.

1. Cumulative target

Ruyijin cumulative products directly accumulate physical finished products, and the number of shares in the account is the number of grams of gold bars that can be extracted; The accumulated gold products are gold rights and interests, and the price of gold is exchanged for precious metal goods at the time of exchange, and the exchange is equivalent.

2. Conventional accumulation mode

On the 5th,15th and 25th of each month, the wishful gold will be deducted; Cumulative funds continue to purchase at the average amount of each trading day.

3. Gold-extracting varieties

Ruyi gold deposit and withdrawal varieties are gold bars with specified specifications; The varieties of accumulated gold withdrawal are precious metal commodities (including silver materials) on sale.

4. Start time

Jin Ruyi started in June 2009; The cumulative fund start-up time is 20 12 12. Next, the selling price will shrink again, so I suggest that it is better to make spot gold, which can be profitable both up and down, and you can enter the gold market for only $5,000. The monthly yield is 30%.

(1) ruyi gold accumulated, but it was not renewed at the time of purchase, and the handling fee at the time of sale was fixed at RMB 5.34 per gram/kloc-0.

(2) ICBC's accumulated funds, the handling fee is 0.5% of the accumulated funds at the time of purchase and 0% of the accumulated funds at the time of sale.

Second, the actual rights are different.

(1) "Ruyi Gold Accumulation" accumulates Ruyi gold bars. If the actual total is100g, you can withdraw100g of ruyi gold bars, regardless of the current price of gold bars.

(2) the "rolling fund" rolls over the gold interests, not the actual grams. Cumulative100g, but the extraction of Ruyi gold bars depends on the current quotation of Ruyi gold and the quotation of accumulative gold. Extended data:

If you need to cancel the rolling fund business and handle the account cancellation procedures, you should pay attention to the following matters.

(1) Investors need to make sure that there is no fixed deposit agreement for the deposit business, the deposit share in the account is zero, and the unrecorded amount has not been redeemed before closing the account. After closing the account on the same day, they can reopen the account on the same day.

(2) When closing an account, investors need to bring their ID cards and fund cards or discount cards for accumulated fund business, fill out relevant business application forms at ICBC outlets, and go through the account closing procedures.