The specific time depends on the actual situation. Investment is risky, so be cautious when entering the market. The stability is good and the income is average. Comments from the financial sector: The investment currency of this wealth management product is RMB, the capital preservation type is non-capital preservation type, and the income type is floating type. It is estimated that the highest annual rate of return will reach 6.0%, with a comprehensive score of 50.0, a liquidity score of 99.3, an anti-risk score of 65,438+000.0 and a profitability score of 62.54. The above contents are for reference only, so please invest carefully.

1. Product type: fixed income _ non-guaranteed floating income _ open net worth product

2. Investor scope: This product is sold to unspecified public, among which individual investors are steady, balanced, growth-oriented and enterprising individual customers assessed by the Bank's risk assessment.

3. Product opening period: From 200210127, every natural person investor can subscribe for this product, and the subscription will be confirmed at the latest on the subscription confirmation date (Harbin Bank has the right to adjust the opening period due to factors such as actual investment operation needs or regulatory requirements. If there is any adjustment, it will be announced in official website of Harbin Bank two working days before it takes effect, and the original manual will not be adjusted).

4. Investment cycle: 1. The investment cycle of the investor's share is 18 months (if the maturity date is a non-working day, it will be automatically postponed to the next working day). Investors shall not redeem their shares in advance before the completion of a single investment cycle. See the appendix for the investment cycle. 2. Harbin Bank has the right to terminate or extend the term of a single investment cycle in advance, and publish it through Harbin Bank official website 2 working days before the adjustment actually takes place, and the original product manual will not be modified.

5. For wealth managers, if the risk-taking ability is weak and the interest rate requirement is not very high, it is recommended to choose the bank's capital preservation wealth management products. If you can take certain risks and pursue high returns, non-breakeven floating income wealth management products will be more suitable. The income of bank wealth management products is relatively low. Now Tenpay can log on to WeChat and QQ, including money funds, index funds, insurance wealth management products and other financial products.

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