A wealth management product being sold by the Postal Savings Bank, please note that this wealth management product is not a deposit of the Postal Savings Bank, and it is not guaranteed. It is a net worth wealth management product that is open every day, which means that investors can buy or redeem it freely on the trading day. The following is the process of purchasing funds by the Postal Savings Bank brought to you by Bian Xiao. I hope it helps you!
The process of purchasing funds by postal bank
The process of purchasing funds by the Postal Savings Bank is usually as follows:
Opening a Postal Savings Bank account: If you don't have a Postal Savings Bank account, you need to open an account in a branch of the Postal Savings Bank or official website to obtain an account.
Fund Understanding: Before opening an account, you can learn about different types of funds and fund products through official website of Postal Savings Bank, bank counters or other channels. You can view the fund's expense structure, historical performance, investment strategy, risk rating and other related information.
Consult the bank staff: If you need more detailed information about funds or have questions, you can consult the staff of the Postal Savings Bank. They will be able to answer your questions and provide more help and advice.
Choose the right fund: Choose the right fund according to your investment objectives and risk tolerance. You can choose according to the fund sales information provided by the Postal Savings Bank or the tips of the online platform.
Submit the application for subscription: once the fund to be subscribed is selected, you can fill in the application form according to the requirements of the Postal Savings Bank and provide the required relevant documents and materials.
Confirm the transaction: Once the Postal Savings Bank confirms your purchase application, the transaction will be successfully executed. Confirmation and transaction records of purchased fund shares can be obtained in bank accounts or official channels of fund companies.
Can the fund only operate in the same bank?
Funds are not limited to operating in the same bank. Funds are issued and operated by fund management companies and can be purchased and traded in different financial institutions (banks, brokers, etc.). ) and fund sales channels. Investors can choose their favorite funds to invest through different financial institutions.
Please note that each financial institution and investment platform may have different fund selection and subscription processes. Therefore, before purchasing a fund, it is recommended that you consult a specific financial institution to obtain accurate and up-to-date information.
Can the Postal Savings Bank buy funds?
Yes, generally speaking, the Postal Savings Bank can provide fund sales services, and investors can purchase funds through the Postal Savings Bank.
Funds purchased by banks are generally legal products approved for compliance sales in accordance with relevant laws and regulations. Investors can choose to buy fund products recommended by the Postal Savings Bank and make purchases and transactions through banking channels.
Is the fund purchased by the bank safe?
Venture capital: Fund is a kind of venture capital tool. Investors need to understand the risk factors of funds, including market risk, fund manager risk and asset allocation risk, and make investment decisions according to their own risk tolerance.
Supervision of fund companies: fund companies are responsible for the operation and management of funds and accept the supervision of the CSRC and other regulatory agencies. Choosing a fund company with good reputation, large scale and stable operation can reduce the investment risk.
Product selection: investors should choose appropriate fund products according to their own needs and risk preferences. Different types of fund products with different risk preferences have different investment characteristics and income risks.
Information disclosure and transparency: investors can learn about the fund through fund companies, fund announcements, fund annual reports, fund sales personnel and other channels, including the investment strategy, investment portfolio and performance of the fund. , to assist decision-making.
How long does it take for the Postal Savings Bank to see the benefits in its daily financial management?
T+ 1 day, after the Postal Savings Bank purchases the wealth management products every day, the products will enjoy the benefits from the date of subscription confirmation (including that day). Subscription applications submitted by investors from 0: 00 to 15: 30 on each open day will be accepted on that open day, and subscription applications submitted from 15: 30 to 24: 00 on each open day will be regarded as the next open day.
Risheng wealth management products enjoy product income from the date of purchase confirmation (including the day), and no longer enjoy product income from the date of redemption confirmation (including the day). The trading day refers to Monday to Friday, excluding legal holidays.
How much is the annualized fixed management fee for redeeming 2% before the month rises to 35 days?
If the monthly increase is less than 35 days, 2% of redemption will be deducted and the annualized fixed management fee will be 0.5%.
The formula for calculating the monthly rising interest of wealth is expected ending interest = investment principal _ _ expected annualized rate of return /365__ actual existence days. The expected annualized rate of return for customers holding for less than 35 days is 1.0%, and the expected annualized rate of return for customers holding for more than 35 days is 3.8%.