CCB Pension Feiyuebao is a financial product jointly proposed by CCB Pension Management Co., Ltd. and Ant Financial. It mainly invests in liquid assets, fixed assets and alternative assets, so the risk of CCB Pension Feiyuebao is relatively low.
CCB Pension Fee Yuebao is not a fund. Jianxin Pension Feiyue Bao is a personal pension security management product, issued by Jianxin Pension Management Co., Ltd., and its investment managers are Tian Hong Fund and Jianxin Pension. However, due to the wider investment scope of pension management products, the income of CCB Pension Feiyuebao may be higher.
Jianxin Pension Company is the first professional pension management institution approved by the State Council in China. The company is registered in Beijing with a registered capital of 2.3 billion yuan. China Construction Bank and National Social Security Fund Council hold 85% and 15% respectively, which are bank-based pension companies. Tian Hong Fund is quite strong and stable.
The annualized rate of CCB Feiyuebao in the past seven days is now 4.60%. Historically, its rate of return is more stable than that of the money fund: since its formal establishment on April 26, the annualized income has remained stable at more than 4%.
This relatively high and stable income should benefit from the fact that the fund itself has a closed period and cannot be redeemed at any time, so more funds can be invested in some relatively long-term projects. Therefore, CCB Pension Feiyuebao cannot be returned during the lock-up period and can only be redeemed when it expires.
Therefore, this Feiyuebao is still relatively safe, which is equivalent to exchanging time and liquidity for higher returns.
Recently, the annualized income of Yu 'ebao fell below 2%. The advantage of Jianxin Feiyuebao is that its income is higher than that of Yu 'ebao, which can reach more than 3%.
Jianxin Pension Feiyuebao is a regular financial product. After purchase, there are two ways to deal with it. One way is to automatically transfer the money to the next issue when it expires, so it is impossible to transfer the money out. The other is to set up automatic redemption at maturity, so that the funds will be automatically transferred to Alipay balance account 1 trading day after maturity. It should be noted that CCB's pension Feiyuebao belongs to regular financial management, and the funds cannot be redeemed in advance before it expires.