Bring my ID card, bank card and financial voucher to the counter of China Postal Savings Bank for exchange.
Users log in to personal accounts in postal mobile banking. " After logging in, click Investment and Financial Management-Financial Management Products-My Financial Management-I Hold, and then redeem according to the prompts on the page.
The income from postal wealth management is generally settled after maturity, and it usually arrives in two working days. In case of holidays, the arrival time needs to be postponed.
Wealth management products refer to financial products issued by banks and formal financial institutions, which put the raised funds into relevant financial markets or buy relevant financial products according to the contract, and distribute them to investors according to the agreement after obtaining the income. There are mainly these types of wealth management products: bond type, trust type, linked type and QDII type, including savings, funds, national debt, bonds, foreign exchange, stocks and speculation.
Bond type
Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.
Trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.
Hook type
The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.
QDII type
QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.
QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.
Investment services that can be released in lufax and lufax with capital needs will undergo strict internal audit by lufax and professional institutions, and professional and strict qualification audit will be conducted for investors and financiers, so as to fully protect the interests of both investors and financiers in terms of systems, processes and systems.
When it comes to financial management, many people think that financial management is Qian Shengqian, such as buying a house, buying gold and speculating in stocks. In fact, these all belong to the category of financial management, but financial management in a strict sense is actually called wealth management, that is, when conducting financial management, scientific and reasonable planning of present and future resources, good family financial planning, scientific diagnosis of family finance, and prevention and control of risks.