What's the difference between live treasure and fixed treasure of Tian Tian Fund Network?

Tian Tian fund network has "live treasure" and "fixed treasure", so what are these two respectively? What is the difference? Is one current and the other regular? Bian Xiao and everyone will solve this problem together.

Say "clown" first.

1. What is a clown?

"Living treasure" is the same as the usual "baby" products, which are all products connected with the money fund. The official introduction is: the current account is a kind of bank current account, which can be recharged and withdrawn at any time, and can also enjoy the expected annualized expected income of the money fund.

2. What are the characteristics of a clown?

First of all, there are many money funds connected with "live treasure", which are also excellent and have a wide range of choices. This is due to the resource advantages of Tian Tian Fund Network.

Tian Tian Fund is the largest third-party fund sales platform in China, and most funds in the market can be purchased directly from it. Therefore, Tian Tian Fund can provide more choices of monetary funds for Lifelong Bao, and these funds are all optimized, including Southern Cash Increase Currency, ICBC Currency, Guangfa Currency and many other star goods bases.

Secondly, it supports cash withdrawal at any time in 7*24 hours, and the fastest cash withdrawal is 1 second; The maximum single payment is 50,000 yuan, the minimum is 100 yuan, and the daily limit is 100 million yuan. Ordinary cash withdrawal, T+ 1 arrival, no limit.

Finally, it is more convenient to buy other funds through "live treasure". This also benefits from the resource advantages of Tian Tian Fund Network. It saves time and effort to buy funds by skipping bank cards through "live treasure", and it is safe to realize the conversion between live treasure and other funds at any time.

Through T-day fund transaction, cash can be withdrawn at any time before T-day 15:00, which supports real-time cash withdrawal, and the withdrawn funds of the live treasure can be restored to the available balance of the live treasure in real time, without delaying users from enjoying the expected annualized expected income of the live treasure. Users who pay by bank card generally need 2 working days to transfer funds to their bank card.

Ok, I said "clown", now let's talk about "Dingbao".

1. What product is "periodical treasure"?

Baby products such as "periodical treasure" and "live treasure" are different and relatively innovative products. Baby products are bound to money funds, while "fixed-term treasure" is bound to fixed-term bond funds, which are generally divided into four periods: 7 days, 14 days, 30 days and 60 days.

2. What are the advantages of "periodical treasure"?

First of all, compared with the goods-based "baby" products, "fixed-term treasure" invests in bond funds with a certain term. Although it is not dominant in flexibility and risk, it also brings high historical expected annualized expected income. In the long run, the expected annualized expected return of debt base will still be higher than that of goods base. The following are the expected annualized expected returns of several products of fixed-term treasure.

In addition, compared with the direct purchase of bond funds, "fixed-term treasure" also has the advantages of free handling fees, free subscription and redemption, and more convenient fund management. Do not submit a redemption application, automatically roll into the next issue after the expiration, and continue to enjoy the expected annualized expected income seamlessly.

"Fixed-term Bao" provides debt bases with four maturities: 7 days, 14 days, 30 days and 60 days. You can choose according to your own economic situation.

What's the difference between fixed-term treasure and live treasure?

Both fixed-term treasure and fixed-term treasure are financial management tools of Tian Tian Fund Network. Fixed-term treasure can buy preferred money funds, while fixed-term treasure can buy designated and selected wealth management products, which is more flexible than banks and has a lower threshold and can be purchased at any time.

For example, ICBC's 7-day wealth management bond A(485 1 18) has a subscription starting point of 1000 yuan, with 7 days as a cycle. Submit the application before Monday (working day) 15:00, and you can redeem it after 7 days (including the application date). If there is no application, the principal and interest of each period will be automatically rolled into the next period, leaving no blank period of expected annualized expected income.

Finally, I would like to tell you some points to pay attention to when buying "live treasure" and "fixed treasure" of daily funds.

1, which is more convenient to operate by mobile phone. Tian Tian Fund has set up a mobile APP to support financial management anytime, anywhere.

2. Both "live treasure" and "fixed treasure" are in and out of the original card, so the possibility of funds being stolen is extremely low.

3. For those who have never used the Tian Tian Fund, it will be more troublesome to use it for the first time, and they have to go through the steps of downloading the APP, registering, binding the bank card and getting familiar with the process. In fact, the expected annualized expected returns of products such as "Live Bao" and "Yu 'ebao" are not much different. You can choose according to your own needs, without having to re-select a new platform. Of course, if you are interested in funds and have plans to invest in various funds in the future, it is also a good choice to try the products of Tian Tian Fund Network.

4. There are two kinds of products, namely "live treasure" and "fixed treasure", namely, Class A and Class B, and there is not much difference between the expected annualized expected returns. Generally, it is enough to choose class A products.