I. Characteristics of oxygen storage products of the contractor's bank
As a savings deposit, purchasing this product is equivalent to saving money in the contractor's bank and enjoying the protection of deposit insurance system according to the national regulatory requirements. From the perspective of product attributes, as deposits of formal financial institutions, products with oxygen deposits are very safe.
Second, the flexibility of undertaking bank oxygen margin funds.
Before buying Oxfam, it is necessary to open the electronic account of the signatory bank, and the funds withdrawn in advance or redeemed automatically at maturity will be returned to this account, and then investors can withdraw funds from the electronic account of the bank to the bank card.
From the point of view of supporting early withdrawal, the contractor's bank oxygen deposit has better flexibility.
Three. Expected return on investment of oxygen deposit in contractor's bank
The interest rates of savings deposits of three-month and six-month products of Baoshang Bank are calculated according to the current interest rate at the time of early withdrawal, but now the expected returns of most money funds are higher than the current interest rate of banks, and the expected returns of most three-month or six-month regular financial management are also above 3%, so the expected returns of oxygen deposits of Baoshang Bank are not very good.
Conclusion: From three aspects,
The product safety and capital flexibility of the contractor bank Oxygen Storage are very good, but the expected return on investment is not very high.
Investors who pursue expected returns can learn about other wealth management products with better expected returns.