1, ICBC Tianlibao is a monetary fund and Tong Ling Express is a cash management product;

2. ICBC Tianlibao mainly invests in fixed income assets, while Tong Ling Express mainly invests in highly liquid assets, creditor's rights assets and other assets or asset portfolios;

3. The initial subscription amount of Tianlibao of ICBC is 6,543,800 yuan, and that of Tong Ling Express is 50,000 yuan;

4. The income of ICBC Tianlibao will constantly change according to the 7-day annualized income, and the income of Tong Ling Express is agreed.

ICBC Tianlibao is a cash management type of wealth management, which is suitable for three parties to repay customers. Compared with the value purchased by the monetary fund on the same day, the disadvantage is that it cannot be taken outside the specified time. The liquidity is relatively high, and the interest is much higher than the current interest, but it is relatively not as high as the regular financial management. If the short-term funds are suggested to consider the money fund, the long-term unused funds will still choose fixed-term financial management.

ICBC Tianlibao is reliable. From the platform point of view, it belongs to ICBC and is very safe. For Tianlibao, it is a low-risk wealth management product, and the investment money can be redeemed at any time.

Precautions:

According to the product rules of ICBC Tianlibao, redemption can be made during the opening hours, which are from 9: 00 to 15: 30 every working day. It can only be operated through ICBC online banking or mobile banking, and it is generally received in real time.

In fact, this is also a cash management product similar to Yu 'ebao, but worse than Yu 'ebao's 24-hour redemption at any time. But it also has certain advantages, that is, there is no limit to redemption. Money funds, including Yu 'ebao, can only redeem RMB 6,543,800+per day quickly, while ICBC Tianlibao is a current net wealth management product, so there is no such restriction.

For those with high liquidity, ICBC's latest 7-day annualized rate of return is 3.67%, which is also higher than most money funds.

Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.

Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.