Redemption rules may be different for each product. You can click on the product details page to find the product "transaction rules" or "transfer-out rules" to view the details.
Hello, at present, the purchase of surplus products from Xiaoman Finance (formerly Baidu Finance) has stopped. If you prefer "steady demand" wealth management products, you can pay attention to the new "Baixin Wisdom" on Xiaoman Wealth Management (APP), which has low risk and can be accessed at any time, with a net income of about 4. 1%. Cash withdrawal can be made on any natural day from the date of value, regardless of holidays, and it will be received in real time on the same day. There is no trading day limit and no limit, and the funds deposited on the same day can be withdrawn on the same day, without calculating the income. Suitable for investors who have high liquidity requirements and are relatively stable. Investment is risky, and financial management needs to be cautious!
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
Folding adhesive type
Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
Collapse trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.
Folding hook type
The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.
Folded QDII type
QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.
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.