Question 2: How is the live treasure of China Everbright Bank redeemed? No redemption is required. There is also demand for live treasures, and it doesn't matter if you need to withdraw money directly.
Question 3: How is the interest period of China Everbright Bank calculated? I used the live treasure of China Everbright Bank for a while, and I feel ok.
1, the flexibility is really good. The current deposit that can be signed can be automatically converted into a living treasure, and the redemption mode is automatically triggered by cash withdrawal or transfer, which saves a lot of complicated operations and avoids unexpected losses caused by forgetting to sign the contract or not signing the contract in time due to business trips, work and other reasons. In addition, the active treasure account can be withdrawn at any time, and it can be automatically signed for redemption during non-trading hours including weekends and holidays. These two points are rarely compared with domestic similar products;
2. The biggest failure is that "T+ 1" starts to calculate interest on the same day. Everbright did something here, which was very unkind, and used "T+ 1" to hedge the higher yield. For frequent new shares, it is not cost-effective;
3. Although the interest of the current account is "T+ 1", the money is transferred from the current account to the current account at night, which means that you can still get the annualized interest of 0.36% of the current deposit on the day of "T+0", not nothing, drink and drink;
4. The clown pays last week's income every Wednesday;
5. The daily interest rate is annualized rate of return 1.68% divided by 360, not 365, which is consistent with the money market fund, but it has not been tampered with. :)
The design concept of product classification management, which started in June and April, is novel and commendable. High-end customers can sign up for Lifelong Bao B, with an annualized rate of return of 1.88%, at the cost of a higher threshold. The current account needs to keep a minimum of 654.38 million yuan, which is not cost-effective. However, for friends with an average daily income of more than 940,000, you can sign up for Lifelong Bao B. The more funds, the more cost-effective.
It was after 24: 00 in the afternoon that the current deposit was converted into a living treasure. Strictly speaking, it was the early morning of the next day, and the specific deadline was not clear. However, the current deposit I deposited around 1 on a Sunday morning was indeed converted into a living treasure and the interest was calculated.
On the other hand, if the money in the bank account is not in the current treasure, it must be in the current account, and vice versa. No matter when they are transferred, they are seamlessly connected. Theoretically, on this day, demand deposits always bear interest.
So, if it is true, there is another way to increase income. Get two Everbright cards, one for signing a living treasure, and one for automatic notice deposit one day after signing a contract. Since the latter is T+0, you can enjoy T+0 0.86543.3000000000001by transferring money from your current account to your current treasure account at 0: 00-1. However, the above operation is still rather troublesome, and it doesn't make much sense to suffer for this little money. Automatic signing is a great advantage, worry-free, hehe. .
Question 4: Is there any difference between current treasure and time deposit of China Everbright Bank? There is a difference. Lifelong treasure is similar to a money fund and can be accessed at any time. Time deposits can only be withdrawn at maturity, and early withdrawal can only be based on the deposit interest rate. The interest of China Everbright Bank's active treasure begins on the day of "T+ 1", and the active treasure pays last week's income every Wednesday. The daily interest is the annualized rate of return divided by 360, not by 365. Provide 7 days ×24 hours quick redemption.
Lifelong Bao is a cash management RMB wealth management product launched by China Everbright Bank. It has the characteristics of daily financial management, withdrawal at any time and lifelong benefit from signing a contract. The initial investment is 50,000 yuan, and the expected annual income is 2.8%~3%. This product is a guaranteed income type, with a risk level of one star and a low risk level.
Lifelong Bao adopts the automatic transaction trigger redemption mechanism, and can use its corresponding funds in the wealth management account through cash withdrawal, consumption, transfer and investment transactions (such as purchasing wealth management products), which has both the investment income of money market funds and the flexibility of demand deposits.
Question 5: What about the live treasure of China Everbright Bank? The current wealth management products of China Everbright Bank calculate the income every day during the existence of the wealth management plan, announce the expected annualized rate of return from this Wednesday to next Tuesday every Wednesday, and distribute the income of the previous week. The minimum retention of Abao's current account is 1 1,000 yuan, with an initial amount of 50,000 yuan, and the minimum retention of Bao B's current account is 1 1,000 yuan, with an initial amount of 1 1,000 yuan, all increasing by integer multiples of 1 10,000 yuan. Do you find the data provided on the Internet hard to understand? To be honest, I don't understand it either. Just seeing that the threshold is so high, there is no money to invest decisively. I'd better stay in search for easy loans. After all, the investment threshold is low, starting at 1 yuan, 0 yuan handling fee and high liquidity. You can apply for the transfer of creditor's rights after 30 days, and it is simple and convenient to redeem the funds; And they have a strong background like Sohu Group, so I won't worry about putting money here.
Question 6: When will the debit card of China Everbright Bank be deducted? Deduction will be made at the end of each day at about 2 1: 30. Customers who sign the contract on the same day can enjoy the income of the live treasure on the same day if the deduction is successful that night, but the income will not be calculated until 24 o'clock. Sunshine Wealth Management Lifelong Treasure refers to the investment and wealth management service agreement of Sunshine Wealth Management Lifelong Treasure Account signed by investors and China Everbright Bank, which connects the wealth management account with its designated fund account with the same name. China Everbright Bank will automatically purchase this wealth management product for investors on every trading day according to the funds in the cardholder's main account of Sunshine Card from the product value date. Investors sign the Sunshine Wealth Management Product Agreement through online banking, iPhone mobile banking, Android mobile banking, manual customer service (financial seats only) and other self-service channels or at the business outlets of China Everbright Bank, designate the related fund account with the same name, and entrust China Everbright Bank to automatically handle the "Lifelong Treasure" product investment and other transactions for them according to the rules stipulated in the product agreement.
Question 7: Is the live treasure of China Everbright Bank risky? Everything has risks, but as long as it is used properly, the risks will be minimized. If you don't need it, cancel it.
Question 8: 2065438+2007 Everbright Bank, Agricultural Bank of China, A, the threshold of 1 1000 should be saved, and the income is 2.3%. The threshold rate of return of retained funds in B and100000 accounts is 2.5%, and that of C and 5 million accounts is 2.65%. /kloc-The lowest interest rate of retained funds in 0/00000 account is the latest interest rate.
Question 9: What is the life treasure of China Everbright Bank? What is the interest rate of China Everbright Bank? 1. The flexibility is really good. The current deposit that can be signed can be automatically converted into a living treasure, and the redemption mode is automatically triggered by cash withdrawal or transfer, which saves a lot of complicated operations and avoids unexpected losses caused by forgetting to sign the contract or not signing the contract in time due to business trips, work and other reasons. In addition, the active treasure account can be withdrawn at any time, and it can be automatically signed for redemption during non-trading hours including weekends and holidays. These two points are rarely compared with domestic similar products; Second, the biggest failure is that interest begins to accrue on the day of "T+ 1". Everbright did something here, which was very unkind, and used "T+ 1" to hedge the higher yield. For frequent new shares, it is not cost-effective; Third, although the interest of the current treasure is "T+ 1", the money is transferred from the current account to the current treasure account at night, that is to say, you can still get the annualized interest of 0.36% on the day of "T+0", not nothing, drink and drink; Fourth, Lifetime Bao pays last week's income every Wednesday; 5. The daily interest is the annualized rate of return. 1 .baru% divided by Sanlu 0 instead of Sanlu 5, which is consistent with money market funds. The design concept of product classification management, which began in April, is novel and commendable. High-end customers can sign up for Lifelong Bao B, with an annualized rate of return of 1.8%, at the cost of a higher threshold. The current account needs a minimum retention of100000, which is not cost-effective. However, for friends with an average daily income of more than 940000, they can sign up for Lifelong Bao B. The more funds, the more cost-effective. It was after two o'clock or four o'clock in the evening, strictly speaking, it was the early morning of the next day, so the specific deadline was not clear. But the current account I deposited at about 1 am on a Sunday was really converted into a living treasure, and the interest was calculated. On the other hand, if the money in the bank account is not in the current treasure, it must be in the current account, and vice versa. No matter when they are transferred, they are seamlessly connected. Theoretically, on this day, demand deposits always bear interest.
Question 10: Is the life treasure of China Everbright Bank good? There are two kinds of stooges. One is that the part above 1 0,000 is automatically transferred to the active treasure, and the general interest rate is around 2.5%. The other is that more than 654.38+ million yuan is automatically transferred to the live treasure, and the interest rate is about 3%. I invested 20 12 for a period of time, and then I switched to P Search Easy Loan Platform because the interest rate was too low. Now I can't comment, but I still think that the interest rate of Lifelong Bao really made me have no desire to continue investing. The investment threshold of search easy loan I am investing in now is low, starting from 1 yuan, and the annualized income of general products can reach about 10%. There are many red envelope activities, risk control is in place, and the risk is very small, so it is better to search for easy loans.