The starting point of daily subscription is 50,000 yuan, increasing by 1 10,000 yuan. Customers can buy through the counter of the Postal Savings Bank outlets or through the online banking of the Postal Savings Bank. There is no fixed term, and the subscription and redemption are open every open day, that is, the securities trading day. The expected annualized rate of return is 2.2%, and the redemption funds will be recorded in real time. The daily increase can really be accessed and received on the same day.
Month-on-month series: basically risk-free products, and investment can be extended to structured deposits. The monthly interest rate is 2.2%, and the series of wealth "rising month by month" and "rising day by day" are basically risk-free products, such as investment bonds, central bank bills, financial bonds, corporate bonds, interbank deposits, quality corporate trust financing plans, bank acceptance bills, repurchase and so on.
Wealth "Xinxin Xiangrong": the starting point of individual customers' subscription is 50,000 yuan, increasing by integer multiples of 1 10,000 yuan. On the day of subscription, redemption and redemption confirmation, the wealth management income is calculated on average. According to the actual duration of each financial fund when investors redeem it, customers can get the following expected highest annualized rate of return. Xinxin Xiangrong's deposit is 2.3% a month and 1.7% a day, but it will rise if it is kept for a long time.
China life insurance, etc. Compared with regular, it does have an advantage. The only drawback is that the shelf life is too long. Dividend insurance, the principal can still be guaranteed during the maturity period, and the income is fixed dividend and fluctuating dividend, which is risky.
Extended data wealth management products are basically divided into two types: trust products, trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit ratings, and products invested in the trust of beneficial rights of excellent credit assets of commercial banks.
Linked type, the final yield of products is linked to the performance of relevant markets or products, such as linked to exchange rate, linked to interest rate, linked to international gold price, linked to international crude oil price, linked to Dow Jones index, linked to Hong Kong stocks, etc.
QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.
Electronic spot new investment and wealth management products.
Investment channels and wealth management products can generally be purchased through commercial banks or non-bank financial institutions. Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies. Emerging channels include: third-party financial institutions and integrated financial service institutions.
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