: What is the balance wealth management income of ICBC?
From the historical data, ICBC's balance wealth management income is slightly higher than that of Yu 'ebao, and its annualized income on the 7th is around 4%. Although it fluctuates, it belongs to a stable income product.
How much can ICBC balance finance buy?
ICBC Balance Management is essentially a monetary fund, named ICBC Currency, code 482002, with the latest scale of 1587. 1 1 billion. The wealth management product can be purchased at ICBC Credit Suisse Bank official website and the mobile phone client, and the initial purchase amount is only 1 cent, and there is no handling fee for subscription and redemption.
Like Yu 'ebao, ICBC's balance management can be redeemed at any time in 7*24 hours, with a fast arrival speed. The redemption limit on the same day is 10000 yuan, which is believed to meet the needs of most users.
According to the official information of ICBC, ICBC Balance Finance has not announced the subscription ceiling, but since its redemption ceiling on the same day is 6.5438+million yuan, the subscription ceiling should be no less than 6.5438+million yuan. I believe this ceiling should be good for those who want to invest in low-risk current wealth management products.
What should I pay attention to when buying bank wealth management products?
First of all, China is a country with financial control, and the main business income source of China Bank is traditional business income such as loans. The state should strictly control the business of banks. If there are restrictions, it is not the customer's will. As an off-balance sheet business, there are no strict restrictions. Under the simple restrictions of the country, banks can try their best to increase their income, which means that banks handle investment and wealth management products business for profit. So don't be naive to think that banks will not be charged a series of fees for purchasing investment and wealth management products, and banks will benefit from it.
Secondly, knowing that investment is risky does not mean that banks or national banks will be strictly monitored, so it is absolutely safe and risk-free to buy investment and wealth management products in banks. It is wrong to think so. However, to understand risks, we must first understand the types of expected returns. The capital preservation risk of floating income is low, which is not the capital preservation risk of floating income.
Finally, only when we have a correct understanding of bank investment and wealth management products can we make the right choice when buying bank investment and wealth management products. Although there are many things to pay attention to, as the saying goes, details determine success or failure. When you can control the situation, things will develop in the direction you want.
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