CITIC's salary bonus is the monetary fund, just like Yu 'ebao and Licaitong.

From the convenience point of view, the biggest highlight of CITIC Bank's money fund product "salary treasure" is that the subscription and redemption are fully automatic, and you can withdraw money at ATM. This convenience will not only have a huge impact on the traditional banking industry, but even kill all kinds of Internet "treasure" products. From this perspective, the champion's throne must be salary.

However, everything has advantages and disadvantages. In terms of yield, Prudential Fund cautiously stated that according to market conditions, it is predicted that the average annualized rate of return of "Fubao" cargo base will be 4%.

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CITIC Bank's salary Jinbao can be quickly withdrawn at any time, or it can be redeemed by T+ 1, that is, one day.

Because this model is closer to the current account than other wealth management products, the redemption time naturally has incomparable advantages over other products. When you need money, you can withdraw it directly from the ATM, and you don't need to redeem it like the traditional goods base. This card can be used not only for quick cash withdrawal, but also for credit card consumption.

However, CITIC Bank's daily advance amount of salary and bonus will fluctuate with the change of fund size, and the maximum advance amount is 10% of the fund size. In other words, if the size of a daily salary Jinbao Monetary Fund is 500 million yuan, then the maximum amount of quick cash withdrawal on that day is 50 million yuan.

At this time, we should pay special attention again. Don't think that 50 million can be taken casually. According to the regulations, the maximum withdrawal amount of a single account per day is 500,000 yuan.

Moreover, when 100 people take all 50 million yuan, even if 1 0/people only take1yuan, they will be told that the balance is insufficient or the transaction fails.