E-Link (ELT 140 1) financial products have the following characteristics:
1. Flexible transaction: the subscription is confirmed in real time during the opening hours and redeemed in real time all day;
2. Stable income: the investment object is low-risk and high-liquidity products. According to the current market income level, the rate of return is obviously higher than that of demand deposits in the same period;
3. Zero handling fee: there is no handling fee for subscription and redemption.
"e-Tongbao" is a cash management product launched by ICBC for personal e-banking customers, which can be redeemed at any time. The first paragraph supports 365 days, 7*24 hours of fund redemption and real-time confirmation.
The "e-link" net worth personal RMB wealth management products issued by ICBC are cash management wealth management products with non-guaranteed floating income.
Real-time purchase confirmation and real-time deduction during business hours on weekdays; Real-time confirmation of 24-hour redemption on natural day and real-time payment of redemption amount T+0 are the real T+0 bank wealth management products.
E-Link's performance benchmark is 3.2%. The product adopts a fixed share net transaction mode of 1.00 yuan, which is similar to a money fund, and announces every ten thousand earnings and 7-day annualized rate of return every day.
The starting point for purchasing E-coupon is 50,000 yuan, and the minimum additional purchase amount is only 1 yuan. Income is carried forward on a daily basis, and dividends are automatically reinvested.
1.e-trading hours of smart wealth management products:
(1), subscription: 0:00- 15:30 working day, real-time deduction for confirmation, subscription can be made in advance during non-trading hours, and the share will be confirmed by deduction at the next trading time.
(2) Redemption: it can be redeemed at any time and received in real time. You can make an appointment to buy at non-trading hours, and the share can be deducted at the next trading time.
2. The arrival time of 2.e-Smart finance:
E. Arrival time of income from Tong Ling wealth management products: the daily income will be carried forward to your wealth management trading account on the next working day, which is reflected in the increase of the share. E-time for redemption of smart wealth management products: after the share is redeemed, the funds will arrive in real time.
There are several differences between ICBC's well-informed express line and E-informed express line:
1. The initial subscription amount of ICBC (Tong Ling) Express is 50,000 yuan, the minimum additional subscription amount is 1000 yuan, and the minimum share of a single redemption is 1000. E Tong Ling's initial subscription amount is 654.38+10,000 yuan, the minimum additional subscription amount is 1 yuan, and the minimum share of single redemption is 0.1;
2. ICBC Tong Ling Express mainly invests in highly liquid assets, creditor's rights assets and other assets or asset combinations, and Lingtong mainly invests in highly liquid assets and creditor's rights assets;
3. ICBC Tong Ling Express can only handle the redemption online at 0:00- 15:30 on working days, and the redemption at business outlets can only be handled at 9:00- 15:30 on working days. E Tong Ling can apply for redemption at any time;
4. ICBC Tong Ling Express has no management fee, while Yilingtong's management fee is 0.400000% (year);
5. ICBC Tong Ling Express custody rate (year) is 0.03%, sales commission rate (year) is 0.6%, while Yilingtong custody rate (year) is 0.0 1%, and sales commission rate (year) is 0.4%;
6. ICBC Tong Ling Express will pay dividends quarterly, while E-Tong Ling will pay dividends daily.
Operating environment: ICBC Tong Ling 1.0.9.