2. The arrival time of the money fund is T+ 1 or T+2, and it will arrive in three trading days.
Different funds have different redemption time. You can log in to the online banking professional edition/popular edition and click the corresponding fund name on the home page of Investment Management-Fund (Yinjitong)-Fund to check the redemption arrival time.
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At present, you need to open a corresponding financial account when you go to a bank or a securities company for financial management. Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase government bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.
The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.
The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.
If investors buy an open-ended wealth management product, then this wealth management product can be redeemed, but if it is a closed-ended wealth management product, it cannot be redeemed, and it can only be redeemed after the product expires. Can I redeem the customer service staff who had better consult the wealth management products?
In some contracts of wealth management products, there will be a special clause that "early redemption of the principal cannot guarantee 100%", which means that investors will not only bear the risk of paying a large amount of early redemption fees, but also lose part of the principal. Investors should have a certain sense of crisis before investing, so as to avoid the situation that they need liquidity but cannot be redeemed or need to pay liquidated damages after investing.
Because closed-end wealth management products do not allow customers to redeem their investment funds in advance, customers may lose the opportunity to invest in other higher-yield wealth management products or capital market products before the maturity of wealth management products. Investors need to invest carefully so as not to miss the opportunity.
Generally, in the publicity and introduction of bank wealth management products, the expected annualized rate of return is the net income after deducting custody fees, sales fees and other expenses, and it will also be listed separately. However, how much liquidated damages should be paid for early redemption can only be inquired or consulted by bank personnel in the product manual.