Since its establishment, China Postal Savings Bank has mainly engaged in absorbing public deposits. Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Engaged in bank card business; Among them, the Postal Savings Bank Fund is one of its characteristic businesses. Let's take a look at the relevant information of the Postal Savings Bank Fund.

I. Introduction of Postal Savings Bank Fund

1, an ambitious education fund reserve plan.

"Little Sun" is a fixed investment combination carefully designed for children's education. If your child is in primary school or kindergarten, prepare a fixed investment portfolio for him or her.

2. Dream plan of settling down and starting a career

"Sun" is a fixed investment combination carefully designed for customers in the stage of wealth accumulation. If you have a long-term home purchase plan, please choose the "Sun" fixed investment portfolio and get rid of the moonlight easily with the help of the fund's fixed investment.

3. Enjoy a relaxed pension plan in old age.

"Sunset Red" is a fixed investment combination carefully designed for customers preparing for healthy retirement. If you are planning to retire, please choose "sunset red".

Second, what is the fund dividend?

According to the Interim Measures for the Administration of Securities Investment Funds, fund managers must distribute at least 90% of the net income of funds in cash at least once a year. The amount and strategy of fund dividends are often implemented according to the provisions of the fund contract. The default dividend method of open-end funds is cash dividend, but the basic people can change it independently according to the individual's specific situation and the changes in the fund market.

Three, the different ways of fund dividends

According to the different types of funds, there are three types of income distribution (dividends) of funds.

First, the income distribution of closed-end funds shall not be less than once a year. The annual income distribution ratio of closed-end funds shall not be less than 90% of the realized income of the fund year. The income of closed-end funds in the current year should first make up for the losses of the previous year, and the losses incurred in that year should not be distributed. Closed-end funds generally use cash dividends.

Second, the fund contract of open-end fund should stipulate the maximum number of fund income distribution and the minimum proportion of fund distribution every year. Many open-end funds require distribution at least once a year. Similarly, the income of the open-end fund in the current year should make up for the loss of the previous year, and the loss in that year will not be distributed. There are two ways to pay dividends: cash dividends and dividend reinvestment. If there is no special provision in the fund contract, you can choose the dividend method at the time of purchase. If you don't choose, it will generally default to cash dividends.

Third, money market funds can stipulate in the fund contract that the income distribution method is dividend reinvestment, and stipulate in the fund contract whether the income is carried forward daily or monthly. Monetary funds purchased on the same day shall enjoy the right to distribute fund income from the next working day.

Generally speaking, fund investment is a long-term investment method. From the historical data, the investment time is long enough, and the possibility of investment loss is very small. Long-term investment can bring relatively stable income to investors.