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, the fund express provides the latest and fastest investment information; Analysis comments provide you with expert analysis 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. Characteristics and advantages
First, the channels are diverse, convenient and fast. You can buy all the open-end funds sold by our bank through telephone banking 95588 or online banking, and enjoy the convenience of electronic banking across time and space; More than 5000 outlets in 37 branches of our bank can handle the subscription and redemption of open-end funds for you, providing the greatest convenience for your investment.
Second, the fund is rich in varieties. China Industrial and Commercial Bank sells open-end funds on a commission basis, including stable funds, bond funds, index funds, capital preservation funds and other major domestic funds. More than 40 kinds of fund investment products, such as South Active Allocation, South Cash Increase and Boss Selection, can meet the needs of customers with different risk preferences.
Third, the scientific and technological system is advanced. China Industrial and Commercial Bank takes the lead in completing data concentration in China, and has the industry-leading CB2000 operating system, which can complete all fund transactions in time and accurately, so that your investment can be guaranteed.
Fourth, online banking is powerful. Icbc online banking provides you with a series of fund investment services such as account management, fund transaction, fund inquiry, fund data download and fund account loss reporting. The fund account is available at any time, the fund transaction is easily completed and the asset status is clear.
Second, service channels.
"Financial Home" personal online banking, telephone banking and industrial and commercial bank outlets
III. Bidding Conditions
1. 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.
2. To apply for fixed investment, you must first open RMB settlement account of China Industrial and Commercial Bank (fixed investment subscription deduction account), fund trading card, fund trading account of China Industrial and Commercial Bank and TA fund account of fund management company (the account status is normal).
3. Registered customers of our personal online banking can directly conduct fund trading account, fund TA account management, information registration and maintenance, fund subscription, subscription and redemption on our website.
4. Registered customers of our telephone banking can dial 95588 to conduct open-end fund transactions after handling the fund business account opening procedures at the branch counter.
Fourth, the operation steps
1. Fund account opening
Only one fund trading account can be opened in the same area, and the account opening is not limited by the fund trading time. Only one TA account can be opened in a fund company, and the opening time of the TA account of the fund is the same as the trading time of the fund company.
(1) Online Account Opening: Inquiry Process >>
(2) Counter account opening
Bring my valid ID card and Peony Card to the ICBC outlet to open a capital account.
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. Initial subscription amount = individual minimum subscription amount+transaction level difference ×N(N is an integer), 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. 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 Purchase: View Process >>
(2) Telephone subscription or subscription: viewing process >>
(3) Counter subscription or subscription
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: View Process >>
(2) Telephone exchange: check the process >>
(3) Counter redemption
Bring my valid ID card and fund account card to ICBC business outlets.
4. Quick redemption
The fund quick redemption business provides you with the function of real-time obtaining funds from pledged money funds. You only need to pay the corresponding loan interest for occupying bank funds, without paying extra handling fees ... Details >>
5. Fund conversion
You can use this function to convert the purchased fund shares within the duration into other fund varieties of the same fund company.
Check process >>
6. 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: viewing process >>
(2) Telephone inquiry and viewing process >>
7. Fixed investment setting of the fund
Check process >>
You can go to online securities > online fund > fund transaction > fund regular investment management to cancel the fixed investment of the fund.
8. Loss reporting 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 loss reporting: inquiry process >>
(2) Report the loss of telephone: check the process >>
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) Reporting the loss at the counter
Take my valid ID card to the counter.
Verb (abbreviation of verb) matters needing attention
1. The trading day of the Fund is Monday to Friday (except statutory holidays), and the online subscription time is from 9: 00 to 17: 00, and the subscription time is from 9: 30 to 15: 00. Outside the above time, customers can make an appointment to handle fund business, and the system will automatically handle it at the latest trading time.
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. Open-end fund products of different fund companies have different initial minimum subscription amount, initial minimum subscription amount, additional minimum subscription amount and maximum subscription amount. Please refer to the list of open-end funds for details.
7. 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.
8. If the investor fails to pay the amount specified 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.
9. 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.
10. For the fund shares successfully subscribed and confirmed through the fixed investment of the Fund, investors can go to the local ICBC agency fund business outlets to handle the fund redemption business at any time with their valid identity documents and fund trading cards during the business acceptance time.
1 1. See here for other fund investment knowledge.
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