Of course, it can be redeemed. ICBC's "accumulated fund" business adopts the concept of buying gold at an average price, that is, the quotation of AU99.99, and ICBC makes fixed investment according to the way that investors allocate the fixed investment amount to each investment period. For example, investors set each month as the investment cycle, and the fixed investment amount is 2000 yuan/month, so the "accumulation fund" buys gold for investors according to the daily plan of 2000/30=66.67 yuan, so even if the fixed deposit amount is 2000 yuan, the "accumulation fund" realizes the cost sharing in a single investment cycle, and this product can be understood as that investors are always on average.

Also worthy of attention is the handling fee in the fixed investment plan. Like the fund's fixed investment plan, the fixed investment in gold also requires a handling fee, which is divided into two links: subscription and redemption.

Among them, the maximum handling fee of ICBC's "accumulated funds" at the time of subscription is 0.5% of the transaction amount, and when investors choose cash redemption, the maximum redemption fee is 1.5%. According to customer level and transaction volume, different investors have different rates.

With the support of physical redemption, the accumulated amount is 20 grams, and the same amount of ICBC brand gold products can be withdrawn according to the accumulated grams in the account.

To sum up: exchange cash or physical gold according to your own needs. If you need money when you exchange it, it is of course more convenient to choose cash. If you apply for in-kind payment, you need to make an appointment first! For details, please call 95588 customer service to confirm the details!