"Tong Ling Express" series of personal RMB wealth management products are innovative wealth management products developed and designed by China Industrial and Commercial Bank to meet investors' cash management needs. They have the characteristics of good security, strong liquidity and high expected income, and are the first choice for investors to improve the utilization efficiency and income level of idle funds. At present, there are short-term products of Tong Ling Express without fixed term and short-term products of Tong Ling Express with fixed term (seven days, two weeks and four weeks).
"Smart Express" financial products are suitable for:
1, suitable for large deposit customers, 50,000 cases;
2. Customers with uncertain deposit term and high liquidity requirements, ranging from one day to no more than three months, who wish to withdraw at any time;
3. Customers with frequent large-value transactions and frequent deposit of funds, such as self-employed merchants engaged in wholesale and retail business;
4. Idle funds that are temporarily not used in the short term, such as the funds of private owners during the Spring Festival and National Day.
5. Investors, citizens and speculators will not use it on non-trading days or in the short term when the stock market is in a downturn;
Product features of "Smart Express" financial products;
1, the principal is relatively safe. From the main investment direction of products, Tong Ling Express series RMB wealth management products basically have no investment risk, which can ensure that the principal of customers is foolproof.
2. Very liquid. The characteristics of "Tong Ling Express has no fixed-term short-term product purchase, instant trading, instant enjoyment of income, instant redemption and instant arrival of funds".
3. higher income. "The expected annualized maximum yield of Tong Ling Express's short-term products with no fixed term is 1.60%.
-Open annualized rate of return 1.8%
-7 The annualized rate of return is 2. 1%-2.5%.
4. There is no handling fee for buying and selling, which reduces the investment burden of customers.
Second, China Construction Bank.
Gan Yuan-Rixin (New) Yueyi-Open Portfolio RMB Wealth Management Products
Rixin (Xin) Yueyi (Yi) is a monthly asset portfolio RMB wealth management product. It is a combined RMB wealth management product issued by the Head Office specifically for high-net-worth customers and corporate customers, which is open on a monthly basis.
"Gan Yuan-Nisshin Yueyi" monthly open portfolio wealth management product is an investment tool permitted by laws and regulations such as selected bonds and interbank deposits of China Construction Bank, which is a high-risk, high-yield and high-liquidity wealth management product tailored for the high net asset value and short-term needs of corporate customers.
Starting point of subscription: a single high-net-worth customer subscribes for 654.38+10,000 yuan for the first time.
Product type: non-guaranteed floating income product.
Service groups: high-net-worth customers and corporate customers.
Gan Yuan-Rixin (New) Yueyi (Overflow) Product Features:
Differentiated interest rate, increasing income This product can provide differentiated rate of return according to the number of days that customers participate in financial management for each investment principal. According to the number of days of holding wealth management products, customers expect the highest annualized rate of return to be between 0.72% and 3.45%. Maximum investment limit.
Real-time subscription and redemption are flexible.
Customers can purchase and make additional investments on any working day (9:00- 15:00) during the product's duration, and the funds can be deducted in real time, so customers can participate in financial management immediately. Products have a fixed open day every month (10). During the product duration, if the customer redeems on the open day, he should apply for redemption at least 1 working day in advance. The redeemed investment principal and income shall be returned to the account designated by the customer on the last open day after the redemption application date.
Third, BOC wealth management products-accumulated over time
1. Investment direction: Financial derivatives in the domestic inter-bank bond market, such as bonds with high credit rating such as national debt, financial bonds and central bank bills.
2, product features:
A, daily calculation, monthly distribution;
B, high liquidity, and can be purchased and redeemed every working day; Flexible and convenient, funds T+0 to the account;
C. The subscription and redemption are free and the income is reliable.
D, the transaction is convenient, and you can trade in telephone banking.
3. Income:
A. Reference income: 2%
Compared with the same industry, our products have great advantages.
4. Suitable target: customers who pursue high liquidity and improve cash income. A deposit of 50,000 yuan and a current deposit of 50,000 yuan can buy high liquidity and high income. Ultra-short-term wealth management products for idle funds completely replace money funds.
Fourth, ABC's wealth management product-golden key wealth management.
"Principal-Mo Lifeng" wealth management products refer to the capital-guaranteed wealth management products with high returns, which are independently initiated by Agricultural Bank of China and supported by the financial assets invested by Agricultural Bank in the inter-bank bond market, high-quality corporate trust financing projects and the money market.
Product types: guaranteed income type and guaranteed floating income type.
Financial characteristics of golden key:
Principal Guarantee "Benlifeng" products have the characteristics of stability and safety, and are committed to obtaining higher returns on the basis of ensuring the safety of investors 100% principal.
High-security "Benlifeng" products mainly invest in financial assets such as central bank bills, bonds, bills and high-quality corporate trust financing projects with low risk and high credit rating, with high security and stable investment.
"Benlifeng" products have a wide range of benefits, and are suitable for individual investors and corporate investors, including conservative, cautious, steady, enterprising and radical.
Flexible Term The investment term of "Benlifeng" series of wealth management products ranges from 14 days to two years, and has been rolled out. Customers can choose suitable products according to their own needs for financial management period, and can realize a virtuous circle of funds in products with different periods and realize the continuous appreciation of wealth.
5. Bank of Communications "Delibao" colorful series
Red series: wealth management products linked to exchange rate; Orange series: wealth management products linked to funds; Yellow series: wealth management products linked to stocks; Green series: wealth management products linked to interest rates, "new green" is available every day, which is the only product in the domestic market at present; Green series: wealth management products linked to commodities; Blue series: wealth management products linked to trust products; Purple series: index-linked wealth management products.
Features:
1. Applicable to multiple currencies: including RMB, USD, EUR, GBP, AUD, HKD and other major currencies.
2. Flexible investment period: from 7 days, 14 days, 1 month, 3 months, 6 months to one year or even several years to meet the liquidity needs of different customers.
3. The interest payment method is changeable: the interest can be paid in installments according to the investment period of the product, or the principal and interest can be repaid at one time.
4. Providing product pledge loan: In order to meet the short-term financing needs of Delibao product investors, the borrower can pledge the unexpired investment principal return right and the last investment income right under Delibao and apply for RMB loan from Bank of Communications.
The above is the analysis of bank investment and wealth management products on the market at present. Wealth management products sold by banks can be roughly divided into capital preservation and non-capital preservation. If subdivided, it can be divided into several categories, such as guaranteed floating income, guaranteed floating income products and non-guaranteed floating income. Where did you see these types? There are clear labels on general product manuals. Investors should think twice before acting, and avoid being "blinded" by high yields and then buying blindly.