2. The biggest advantage of "Postal Savings Treasure" is that when you need money, you can transfer it out at any time, even on non-fund trading days such as Saturday and Sunday. Chen Yanping, Personal Finance Department of Yongkang Branch of Postal Savings Bank, introduced that "E-mail" is a money fund product launched by the bank to carry forward income on a daily basis and support T+0 redemption on that day. Without the minimum transfer amount, customers can make full use of scattered funds.
1. Customers can clearly see the income of the previous day's account and the trend of the seven-day annualized rate of return in the "Houyibao" interface. Chen Yanping said that the starting point of "E-mail" investment is 0.0 1 yuan, and the income will be confirmed on the second working day from the date of investment (it is suggested that the best investment time is from Monday to Thursday 15), so that there will be income on Saturday, Sunday and holidays. The customer's redemption will be paid in real time (the daily limit is 200,000), and the "post-PayPal" will accrue the income every day and settle it every working day. It is estimated that the seven-day annualized settlement income will exceed 4.0% (daily fluctuation, with a maximum of 4.30%). "E-mail" business is simple, just move your finger.
Second, the postal wealth management treasure
Wealth management treasure is an open net wealth management product with PR 1 level cash management. Wealth management treasure is characterized by low risk, safety, reliability and flexible redemption. The initial subscription amount is 1 ten thousand yuan.
Wealth management treasure belongs to an open net worth wealth management product, so wealth management treasure has no expected expected rate of return and investment period, which basically meets the requirements of 5*24 redemption.
Third, the difference between postal wealth management treasure and postal benefit treasure
1, different product attributes
Both Wealth Management Bao and E-post support redemption at any time, but Wealth Management Bao is a net worth wealth management product and E-post is a monetary wealth management product.
2. Product investment requirements are different.
The initial purchase amount of wealth management treasure is 654.38+00000 yuan, and there is basically no limit on E-mail treasure, and the initial purchase amount is 0.0 1. Both products will be evaluated the next day.
3. Risk and value-added ability are different
Although the risks of the two products are low, the wealth management treasure is a net worth product and may lose money in the short term; E-mail is more like a money fund, with expected returns and strong liquidity.