Open-end fund refers to the fund whose issuance scale can be changed at any time with investors' application for subscription or redemption, and investors can freely buy and sell in banks on the open day stipulated in the fund contract.
Fund investment is a kind of collective securities investment with * * * returns and * * risks, which has gradually become an important investment tool for the public. China Industrial and Commercial Bank makes full use of its own technological advantages, constantly innovates its service means, and combines online banking with fund investment to launch a fund channel. Among them, fund dynamics provide the latest and fastest investment information; Fund review provides you with expert analysis and suggestions; The perspective of fund company helps you understand the fund from the perspective of fund company; The foundation college helps you learn the knowledge and basic operation of the fund; There are experts in the fund forum to answer your questions about the fund; The list of funds on commission gives you insight into the current situation of fund companies and fund products; Fund net value announcement provides daily fund quotation.
I. Bidding Conditions
For fund investment, you need to open a fund trading account and a fund TA account first. To open a fund trading account, you need to use Peony Card, E Times Card or Account Management Card; Only after the fund trading account is opened can the fund TA account be opened; To purchase funds issued by different fund companies, you need to open a separate fund TA account.
Registered customers of our personal online banking can directly conduct fund trading account, fund TA account expense user management, information registration and maintenance, fund subscription, subscription and redemption on our website.
You can become a registered customer of our personal online banking through self-registration, and directly conduct fund trading account, fund TA account management, information registration and maintenance, fund subscription, subscription and redemption on our website.
Second, the operation guide
1, fund account opening
(1) View the online account opening process >> (Open the link below, the same below)
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(2) Opening an account at a business outlet.
Bring my valid ID card and Peony Card to the ICBC outlet to open a capital account. This is relatively simple. Let the staff help you with all the formalities, then wait, hehe.
2. Fund subscription or subscription
Fund subscription refers to the purchase of funds during the issuance period, and the subscribed funds cannot be sold during the issuance period. (It is a newly launched fund, and it is not recommended to buy this kind) The initial subscription amount is an integer multiple of the minimum subscription amount of the individual, but it cannot be higher than the maximum subscription amount; Additional subscription amount = minimum individual additional subscription amount+transaction level price difference ×N(N is an integer).
Fund subscription refers to the purchase of funds whose issuance period has ended, and the subscribed funds can be sold at any time. (that is, old funds, it is recommended to find some good old funds to buy) Initial subscription amount = minimum individual subscription amount+transaction level difference ×N(N is an integer); Additional subscription amount = minimum individual additional subscription amount+transaction level price difference ×N(N is an integer).
(1) Online subscription or subscription viewing process >>
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(2) Telephone subscription or subscription viewing process >>
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(3) Subscription or subscription by business outlets
Please bring your valid ID card and fund account card to the business outlets of ICBC, then fill in the Application Form for Fund Subscription (Application), and the counter will accept the application for subscription (application). After the counter processing, investors will check the results and confirm the fund share.
3. Fund redemption
Redemption refers to the act of selling the fund shares held in the hands to the fund manager at a certain price and recovering the cash during the existence of the fund. The remaining fund share after redemption cannot be lower than the minimum remaining share stipulated by the fund company; Funds that have not been confirmed by fund companies cannot be redeemed.
(1) online redemption viewing process >>
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(2) Telephone exchange viewing process >>
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(3) Redemption of business outlets
Bring my valid ID card and wealth management account card (or Peony Link Card, Peony Link Card E era) to ICBC outlets for handling.
4. Inquiry of fund transaction details
Because the transaction data of fund companies can't be transmitted in real time, the transaction details such as fund subscription and redemption need to be inquired after T+2 days (T is the trading day). For the fund that subscribes for the transaction, it is necessary to wait until the fund issue expires before making an inquiry.
(1) online inquiry and viewing process >>
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(2) Telephone inquiry and viewing process >>
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5. Report the loss of fund account
Online banking and telephone banking can handle temporary loss reporting. Generally, the report of loss is valid for 5 days. Please report the loss in writing at ICBC's business outlets within 5 days, otherwise it will be invalid.
(1) online report loss review process >>
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(2) Review process of telephone loss reporting >>
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If you forget the card number (account number) of the loss reporting card (passbook), you can also call 95588 and select 9 "Manual Service" to report the loss.
(3) Loss reporting of business outlets
Take my valid ID card to the counter.
Auxiliary service
1. You can apply for customized fund net value information through our online banking.
2. We will provide you with funds transfer custody service. If necessary, you can transfer the fund shares under your name to other places for trading through the transfer custody transaction.
3. We also provide some fund conversion services for you.
Third, friendly tips
1. The trading days of the Fund are from Monday to Friday, except legal holidays, and the trading hours are generally from 9: 00 to 15: 00 every day.
2. Before trading an account in closed fund, ensure that there is no TA fund account in the fund trading account. You can "separate the fund trading account from the TA account" or "closed fund TA account" through online banking, or cancel the corresponding relationship between the fund trading account and the TA fund account at the counter. The cancellation of the fund trading account is not controlled by the fund trading time, and can be handled 24 hours.
3. If the balance of the TA account is not 0 or the status of the TA account is abnormal, the account cannot be closed; The TA account has not been confirmed as normal by the fund company to which the TA account belongs, so it cannot be closed; You can't close your account in another bank or the same fund company in different places. The closing time of the fund TA account is the same as the trading time of the fund company.
4. Front-end charge means that you have to pay a handling fee when you subscribe for and purchase funds; Back-end charge means that there is no need to pay the handling fee when subscribing and purchasing the fund, but the handling fee is paid when redeeming, and the handling fee decreases year by year with the increase of the number of years of holding the fund; For details of front-end and back-end fees, please consult the relevant announcement information of the fund management company.
5. Pay the handling fee after applying for the fund redemption business. The charging method and rate standard shall be subject to the relevant announcement of the fund manager.
6. The minimum monthly subscription amount of the Fund's fixed investment business is 200 yuan RMB, and the difference of investment amount is 100 RMB. At present, ICBC has launched two types of fixed investment funds with investment periods of three years and five years (corresponding fixed investment fund types are 36 1 and 60 1 respectively), and the transfer period is one month.
7. If the investor fails to pay the amount stipulated in the fixed investment business plan of the Fund in time during the planning period, the investor can deposit the unpaid amount in the previous period and the amount to be deducted in the current period into the designated fund account at the same time, and calculate the confirmed share according to the net value of the fund share on the actual deduction date.
8. On the day of applying for the fixed investment of the Fund, investors cannot apply for withdrawing from the fixed investment subscription business of the Fund. After the confirmation (T+2) of the fund's fixed investment transaction is successful, investors can print the fund business confirmation notice at the bank's fund business acceptance outlets.
9. For the fund shares successfully subscribed and confirmed through the fixed investment of the Fund, investors can handle the fund redemption business at the local ICBC agency fund business outlets at any time with their valid identity documents and fund trading cards during the business acceptance time.
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