In ICBC's investment and wealth management, there is a product called BBWL35, which guarantees capital preservation and stable income for 35 days. Because the investment period is only 35 days, the flexibility of funds is very high. Then, how about ICBC's 50,000 capital preservation and financial management for 35 days? Is it worth buying? Today, I will give you a good analysis of this product to see if it is worth investing.

Product introduction of ICBC's 35-day guaranteed profit

Expected annualized expected rate of return: 3.20%

Minimum period: 35 days

Initial purchase amount: 50,000 yuan

This product belongs to low-risk bank wealth management products. As we all know, bank wealth management products are no longer guaranteed capital and interest, so the product is close to guaranteed capital strictly. As for the interest, from the 35-day closed period, the expected return of 3.2% is not high, and it has no advantage compared with the regular wealth management products in the same period.

Is it worth buying ICBC for 35 days to break even?

1. Expected return: People sometimes think that low expected return means low risk, while high expected return means taking higher risks. This time, the 35-day capital preservation income will be compared with Yu 'ebao, Jingdong Xiaojinku and Bitong. As a regular wealth management product, the 35-day guaranteed income has no advantage in the expected income.

2. Safety: 35-day guaranteed capital is a very low-risk product, as are Yu 'ebao, JD.com Small Treasury and Money Fund in Change Lane. Although there is no guarantee of capital preservation, the principal has also suffered losses, so it is equivalent in safety.

In our opinion, this product with a 35-day guaranteed income has no advantages except for the aura of bank wealth management products. Even the expected income of current wealth management products is higher than the 35-day capital preservation, which really needs to be strengthened.