The fixed investment plan of the fund refers to the business that investors buy a certain fund product in the form of bank agency for a fixed time and amount within a certain investment period. Simply put, it is a kind of fund management business similar to the bank's zero deposit and lump sum withdrawal. After the investor opens the fund to make a fixed investment, the ICBC system will automatically deduct the money every month according to the amount of deduction applied by the investor and the investment period. Starting from the second month after the investor opens the fund fixed investment business, the ICBC system will automatically start to deduct money on the first day of each month according to the amount and years applied by the investor, and will continue to deduct money on the second day if the account balance is insufficient. The minimum deduction for monthly investment is only 200 yuan. Transaction time, transaction cost, subscription price and fund redemption are generally the same as normal subscription.

The fixed investment of the fund has three characteristics:

Quick: simple procedures, automatic deduction. After investors apply once, the bank automatically transfers money every month, so investors don't have to consider the time of purchase, which greatly facilitates their investment.

Second, low: low starting point and low risk. The minimum subscription amount of the fund's fixed investment is only 200 yuan per month, which will not make investors have too much economic burden. Take a fixed investment every month. When the net value of the fund falls, the more fund shares are purchased; With the increase of fund net value, the less fund shares are purchased, which plays a role in sharing investment costs and reducing risks.

Sanduo: insist on saving, every little makes a mickle; Expert financial management has benefited a lot; ICBC's service is more convenient. Persisting in saving means realizing the financial management goal of "small accumulation and great wealth", and the key is that its compound interest effect is higher than all kinds of savings deposits and national debt; Expert financial management has benefited a lot, that is, the launch of the fund's fixed investment has realized the financial management needs of ICBC customers who can participate in fund investment in small amounts. The fund products selected by ICBC's fixed investment business have outstanding investment performance or distinctive product characteristics. Choosing this selected mature product will bring more benefits to investors. Moreover, the investment income obtained by investors participating in the fixed investment of the fund is completely tax-free; ICBC's service is more convenient. At present, other domestic consignment agencies can only transfer funds on a certain day of each month, and ICBC can decide different days of each month by customers, which makes the transfer more flexible and provides investors with personalized investment and financial services.

The fixed investment products of the fund are suitable for all kinds of investors, but they are more suitable for small and medium-sized investors (especially young and middle-aged customers). ICBC can suggest the proportion or quota of fixed investment products for its investment funds according to customers' different financial needs and financial conditions.

At present, the funds involved in the fixed investment of ICBC Fund are as follows:

ICBC Credit Suisse Core Value Fund (fund code: 48 100 1)

Guangfa Steady Fund (fund code: 270002)

Rongtong Blue Chip Growth Fund (fund code: 16 1605)

Nuoan Balance Fund (fund code: 32000 1)

Bosera Select Stock Fund (fund code: 050004)

Southern Baoyuan Bond Fund (fund code: 202 10 1)

Guangfa Jufu Fund (fund code: 27000 1)

Shenwan Paris Li Sheng Select Fund (fund code: 3 10308)

Huaan MSCI China A-share Index Enhancement Fund (fund code: 040002)

Guolian Desheng Steady Fund (fund code: 2550 10)

Southern Steady Growth Fund (fund code: 20200 1)

Rongtong Shenzhen Stock Exchange 100 Index Fund (fund code: 16 1604)

If you are interested in handling fund fixed investment business in ICBC, please know the following contents first:

65438+

2. The minimum monthly subscription amount of the Fund's fixed investment business is 200 yuan RMB, and the difference of investment amount is 100 RMB. At present, ICBC has launched two types of fixed investment funds with investment periods of three years and five years (corresponding fixed investment fund types are 36 1 and 60 1 respectively), and the transfer period is one month.

3. For the fund shares successfully subscribed and confirmed through the fixed investment of the Fund, investors can hold their valid identity documents and fund trading cards during the business acceptance period and go to the local ICBC business outlets to handle the fund redemption business at any time.

4. Like ordinary subscription, the subscription of the fixed investment of the Fund shall follow the principles of "unknown price" and "amount subscription". "Unknown price" refers to the net value of the fund share on the actual deduction date after the investor handles the subscription business of the fixed investment of the fund.

5. There is no extra charge for the fund's fixed investment business, and the specific charging method and rate standard for the fund's fixed investment are the same as those for ordinary subscription (except for preferential activities).

6. If the investor applies for the fixed investment business of the fund and opens the application within the legal trading time, the banking system will deduct the money from the fund account designated by the investor on the application day; If the application for opening an account is after the legal trading time, the banking system will deduct the money from the fund account designated by the investor the day after the trading application. From the first working day of the second fixed term when the investor starts the fund investment business, the banking system will start to deduct money from the fund account designated by the investor. If the balance of the fund account designated by the investor is insufficient during the legal trading hours on that day, the banking system will automatically continue to deduct the money the next day, and calculate the confirmed share according to the net value of the fund share on the day of actual deduction.

7. There are two ways for investors to withdraw from the fund's fixed investment business: one is that investors voluntarily apply to the fund management company through ICBC to withdraw from the fund's fixed investment business, and after the fund management company confirms it, the investor's fixed investment business plan stops. The other is that after the investor applied for the fixed investment business of the Fund, the funds in the designated deduction account were insufficient, and the investor failed to make up the subscription funds in time as agreed, resulting in the inability to continue the implementation of the fixed investment business plan of the Fund. The system will record the number of defaults of investors. If the number of defaults reaches three times, the system will automatically terminate the investor's fixed investment business. The calculation method of the number of defaults is as follows: If the balance of the investor's capital account in this period is insufficient, the subscription for deduction in this period is unsuccessful, and the number of defaults is increased by1; In the next period, the system will not only deduct the subscription money of the previous period, but also deduct the subscription money of the current period. If the subscription of the previous period and the subscription of the current period are successful, the number of defaults will be reduced by one; If the supplementary subscription is successful and the current deduction subscription is unsuccessful, the default number will remain unchanged; If the supplementary subscription and the current deduction subscription are unsuccessful, the number of defaults will be increased by one, and so on.

8. If the investor fails to pay the amount specified in the fixed investment business plan of the Fund in time during the planning period, the investor can deposit the unpaid amount in the previous period and the amount due in the current period into the designated fund account at the same time, and calculate the confirmed share according to the net value of the fund share on the actual deduction date.