It is understood that CCB cash premium is a money fund wealth management product issued by CCB Fund, which is mainly used to invest in securities such as treasury bonds and bank deposits. The capital invested by customers is risky, but the risk is very small.
In addition, CCB supports redemption at any time. If the yield plummets, you can choose to redeem it immediately to avoid the loss of principal.
Extended data:
First, China Construction Bank cash interest exchange rules:
1, redemption method
Investors who have purchased CCB cash plus interest can redeem the fund in two ways:
Method 1: Log in to the mobile banking of China Construction Bank, enter investment and wealth management, quick profit and more products in turn, click "Sell" and follow the instructions on the page.
Method 2: Log in to the online bank of China Construction Bank, enter the homepage of investment and wealth management, quick profit, quick profit and my quick profit in turn, click sell, and follow the instructions on the page.
2. Redeem the arrival time
The redemption time of CCB's cash premium is T+ 1, that is, the redemption application is submitted before T+ 15:00, and T+ 1 redeems the funds. T day refers to the trading day, excluding weekends and legal holidays.
For example, if the application is submitted before 15:00, that is, Friday on February 20th, then the T day is Friday and the T+ 1 day is 12, that is, February 23rd (next Monday). If the application is submitted after Friday, February 20th, 65438 15:00, then T day is next Monday, and T+ 1 day is next Tuesday.
Two. Cash interest redemption rate of CCB.
Like most money funds, the subscription and redemption of CCB's cash premium are free.
Three. Withdraw cash benefits from CCB
If you regret buying CCB cash, you can apply for cancellation before completing the transaction. The deadline for withdrawal is before the trading day 15:00. For example, if you buy before 15:00 on Friday, February 20th, you can apply for cancellation before 15:00, buy after 15:00 on Friday, and buy on1223rd.
Comparison of cash among Huitianfu, Jubao and Jianxin;
1. Security: Huitianfu, Jubao and CCB Cash Tian Li are all IMF products, and the security of the products themselves is the same.
2. Risk: Huitianfu, Jubao and CCB Tian Li are low-risk products, and the investment scope must meet the relevant regulations and requirements, so there are also risks.
3. Expected rate of return: The 7-day annualized rate of return of Huitianfu and Jubao is 3.5020%, and the 7-day annualized rate of return of CCB Cash Tian Li is 3.5000%, which makes the expected returns of Huitianfu and Jubao higher, but there is little difference between them.
4. Convenience: Huitianfu and Jubao can be purchased in Ant Wealth APP or Alipay Wealth, while CCB Cash Tian Li is not online in Ant Wealth. Therefore, from the convenience of purchase, Huitianfu and Jubao are more dominant.
5. Asset scale: the assets of Huitianfu and Jubao are1133.3 million, and the assets of CCB Cash are 32,372110,000, far exceeding Huitianfu and Jubao in scale. The scale of assets will not only affect the expected rate of return of money funds, but also affect the collection of service rates. The larger the scale, the lower the expected rate of return, but the lower the service rate, so that the comparison of the two assets is even.
In this way, they are similar in other aspects except convenience and expected rate of return.