ICBC has relatively few types of wealth management products, and there is little regional difference in products. However, the ICBC Wealth Management Series has additional wealth management products that are only targeted at customers in certain regions.
For now, ICBC has three cash management financial products, all with low risk levels, so the security is relatively good.
ICBC Linkong Express
Lingtong Express is a safer product. It is a self-operated product of ICBC and has strong liquidity, but the minimum purchase amount is too high. , the purchase price starts at 50,000, and the expected income is not very good.
Tianlibao
The minimum purchase amount is 10,000 yuan. Judging from the 7-day annualized rate, the overall income level is also relatively low. Compared with our Yu'ebao, Not bad. But using Yu’E Bao will be more convenient.
Tianlibao Xinxiang
This product is equivalent to an advanced product of Tianlibao. It starts at 1 yuan, the threshold will be lower, and the income is similar to that of Tianlibao products. , sometimes even more profitable than Tianlibao. If you choose between the two, this product will have more advantages.
In fact, there is not much difference between these three products in terms of volatility. We mainly compare their returns and choose the appropriate capital threshold. For example, the key to Tianlibao Xinxiang is that the threshold is very low, with the minimum You can buy this product for just one dollar.
The word "financial management" first appeared in the early 1990s, according to statistics from Zhongyin.com Data Center. With the expansion of the domestic stock and bond market, the increasingly rich commercial banking and retail businesses, and the overall income of citizens rising year by year, the concept of "financial management" has gradually become popular. Personal financial management varieties can be roughly divided into personal asset varieties and personal liability varieties. Funds, stocks, bonds, deposits, life insurance, gold, online loans, etc. are personal asset varieties; while personal housing mortgage loans and personal consumer credit are It is a type of personal debt.
What is financial management
When most people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:
1. Financial management is a lifetime of financial management, not just solving urgent money problems.
2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.
3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).
Where to manage money
At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.
1. Bank financial management
Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.
2. Securities company financial management
Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.
3. Investment company financial management
Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.
4. APP financial management
Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.
How to manage finances
Currently, you need to open corresponding financial management accounts when going to banks or securities companies to manage finances. Generally speaking, savings products, bank financial products and fund products can be handled through financial accounts opened by banks. Large banks can also purchase treasury bonds through the banking system. Since bank branches are widely distributed, investment and financial management accounts opened through bank channels can be processed at bank counters.
Financial management accounts opened by securities companies can be used for stocks (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), and futures (including financial futures such as stock indexes) Futures, foreign exchange futures, etc., commodity futures such as gold futures, agricultural product futures, etc.) and a series of investment and financial management tools. The opening of a securities account can be done at the business department of each securities company and needs to be done within the trading day.