First of all, you should know that Tian Tian Fund Network is a legal third-party fund sales platform approved by the CSRC. Generally speaking, Tian Tian Fund Network is one of the most authoritative fund websites in China. You can rest assured of this website.
First, the clown opens the clown.
1, what is a clown?
A: "Lifelong Treasure" is a major innovative financial management tool of Tian Tian Fund. It is powerful and easy to use. With Lifelong Treasure, you can not only fully realize the convenience of your current account and enjoy the annualized income beyond the regular expectation, but also receive the savings of your salary card through Lifelong Treasure, which can be withdrawn at any time in 7*24 hours and received in real time!
2. How to open a live treasure?
A: If you have opened an online trading account of Tian Tian Fund, you can use the "live treasure" after logging in.
If you haven't opened a trading account of Tian Tian Fund, you can open a live treasure simultaneously after opening a free account.
3. What are the advantages of opening a live treasure?
A: Opening a live treasure has three advantages:
1) The liquidity is comparable to the current demand: it supports cash withdrawal at any time for 7*24 hours, and the fastest cash withdrawal is 1 second;
2) The expected annualized expected return is far better than the current demand: enjoy the expected annualized expected return of the money fund and easily obtain the expected annualized interest rate of the current deposit of 1 1-73 times;
3) The funds can enter and leave the same card: multiple bank cards with the same name are supported. In order to improve the user experience and upgrade the system, funds are supported to enter and leave the same card. After the upgrade, the inter-bank cash withdrawal function will be restored.
4. Is it risky to recharge the funds of the live treasure?
A: Tian Tian Fund Network is a wholly-owned subsidiary of Oriental Fortune Network (stock code: 300059), the first financial portal of China A shares, and it is also the first batch of independent fund sales organizations approved by the CSRC. Minsheng Bank supervises the whole process to ensure the safety of transaction funds. Recharge the active treasure is to buy the corresponding money fund. At present, Liverpool has supported the South Cash Increase Currency, Huaan Cash Increase Currency, Great Wall Monetary Fund and Baoying Monetary Fund. Treasury bonds, central bank bills, certificates of deposit, etc., whose main investment period is less than 397 days, are all low-risk investments. Investors can make use of the function of "current treasure" to obtain annualized expected income beyond the conventional expectation while having the convenience of current demand.
5. What's the difference between a live treasure and a bank demand?
A: Lifetime Bao invests in money funds. On the one hand, you can enjoy the annualized interest rate of the money fund far higher than the expected bank demand, on the other hand, you can realize it at any time and enjoy the convenience of bank demand.
6. What is the main investment of Lifetime Bao? Is it safe?
A: Lifelong Bao mainly invests in money funds. The products sold by Lifelong Bao have not suffered losses since 2004, but the expected annualized expected income in the future cannot be guaranteed, and there is no clear agreement on capital preservation in the contract. Monetary funds mainly invest in treasury bonds, central bank bills and certificates of deposit with a maturity of less than 397 days, which are relatively safe investment varieties.
Second, the clown recharge
1. Is there any limit to the recharge amount?
A: The initial and additional amount of the live treasure is as low as 100 yuan. Please refer to the page tips for details.
2. Is there a handling fee for recharging?
A: There is a 0-fee charge for recharging the live treasure.
3. If the total recharge reaches or exceeds 5 million, is it expected that the annualized expected income will be higher? How to withdraw cash?
A: Generally, when the recharge share of a single fund reaches or exceeds 5 million yuan, it will automatically increase to the B-type money fund and enjoy the higher expected annualized expected income of the B-type money fund; However, among the monetary funds supported by Lifelong Bao, the South cash-increasing currency B needs a single recharge of more than100000 yuan, and the accumulated recharge of more than100000 yuan will not be forcibly transferred to Class B. ..
If it is a class B money fund, investors need to sell the class B money fund through ordinary redemption.
4. Can I choose a recharge product for the recharge of the live treasure?
Answer: You can choose cash appreciation currency A(20230 1), cash appreciation currency B(202302), cash appreciation currency A(040003), cash appreciation currency B(04 1003), Great Wall currency A(200003) and Great Wall currency B for the recharge of the living treasure. Baoying Currency B(2 13909), E Fund Currency A( 1 10006), E Fund Currency B (1 10065438) and ICBC Currency (482002) are not selected by default.
5. Will the products recharged by Lifelong Bao increase?
A: The products that can be recharged for life are South Cash Increase Currency A(20230 1), South Cash Increase Currency B(202302), Huaan Cash Increase Currency A(040003), Huaan Cash Increase Currency B(04 1003) and Great Wall Currency A(200003). , Baoying Currency B(2 13909), E Fund Currency A( 1 10006), E Fund Currency B (1 10065438), ICBC Currency (482002).
6. Can the default recharge fund of Lifelong Bao be modified?
A: Yes, you can change the default recharge method through the "Settings" function of Life Bao, you can choose intelligent optimization or you can customize the default recharge fund. Recharge the default fund in the future based on a setting.
7. What is intelligent optimization of live treasure?
A: Intelligent optimization of Lifetime Bao is based on the stability of performance and historical annualized rate of return, and intelligently selects monetary funds to recharge, providing investors with better financial management tools.
Third, the cash withdrawal of the live treasure
1. Is there any limit on the withdrawal amount?
A: There is no limit for ordinary cash withdrawal; Quickly adopt the existing restrictions, the same working day (working day is the trading day, with the stock market closing time 15:00 as the boundary. The last working day after 15:00 and the first working day after 15:00 are the same working day. ) The minimum single cash withdrawal is 100 yuan, the maximum is 50,000 yuan, and the daily cumulative maximum is 100 million yuan. There is no handling fee during the promotion period.
2. Do you take the existing handling fee?
A: 0 handling fee for ordinary cash withdrawal; There is no handling fee during the promotion period of quick cash withdrawal, and whether there is any adjustment in the future will be subject to the page display.
3. How long can the recharge amount be withdrawn?
A: It will be recharged before 5: 00 on T day1day, and it can be withdrawn after 20:00 on T+ 1 day (subject to the time confirmed by the fund company).
4. How long will it take to get the cash withdrawal?
A: Ordinary cash withdrawals will arrive in T+ 1 day, and the fastest cash withdrawals will arrive in 1 second.
5. Do you support full cash withdrawal or quick cash withdrawal?
A: Take the current single fund product quickly and keep at least 1 copy; If there is no quick cash withdrawal record within 2 working days (trading day), all cash withdrawals can be supported.
6. Why do you need to leave 1 copy for quick cash withdrawal?
A: In order to ensure that investors will not lose the expected annualized expected return of money funds due to quick cash withdrawal, at least 1 yuan must be reserved for quick cash withdrawal (if more than one money fund is recharged, each fund must reserve 1 yuan), so that the fund company can carry forward the expected annualized expected return unpaid every month to your account balance! You can also choose to withdraw all the cash by cash withdrawal (not quick cash withdrawal) or two working days after quick cash withdrawal, and the unpaid expected annualized expected income will be fully withdrawn to your bank card on the cash withdrawal confirmation date (after 20:00 on T+ 1 day).
Among the monetary funds supported by Lifelong Bao, the South cash-increasing currency and Great Wall currency were carried forward on June 5438+05, Huaan cash-increasing currency was carried forward on June 1 1, and Baoying currency was carried forward on May 5.
7. Can I choose a bank card for cash withdrawal/quick cash withdrawal?
A: Cash withdrawal and quick cash withdrawal follow the principle of entering and leaving with the same card. If there is any adjustment, please follow the instructions on the page.
8. How to withdraw a single money fund for cash withdrawal/quick cash withdrawal?
Answer: 1) If more than one monetary fund is recharged, the earliest recharged fund balance will be taken first, and then the subsequent recharged fund balances will be taken in the order of recharging monetary funds.
1) If you want to withdraw a single monetary fund, please click "Balance Details" on the homepage of business treasure.
Or click "View Balance Details" in the cash withdrawal/quick cash withdrawal interface.
Select a single monetary fund to be withdrawn, and click Cash Out or Quick Cash Out.
Fourth, the balance of live treasure
1. What's the difference between account balance and available balance?
A: Account balance = available balance+temporarily unavailable balance, and available balance refers to the confirmed monetary fund share.
2. Why is there a temporarily unusable balance?
A: The temporarily unavailable balance includes the following situations:
1) The recharge before T day 15:00 is only available after T day 16:00 is confirmed;
2) generally take the amount in the present way;
3) The balance is unavailable due to the suspension of redemption of the current top-up monetary fund;
4) You applied for quick cash withdrawal on T day, and at least 1 yuan must be reserved for each recharge fund, which can only be used after T+2 days.
3. Why is my available balance less?
A: When the current available balance decreases, the following situations may occur:
1) In order to carry forward the outstanding interest for you and withdraw cash quickly, at least 1 yuan shall be reserved for each recharge;
2) You have applied for quick cash withdrawal on T-day. At this time, you need to reserve at least 1 yuan for each recharge fund, which can be used after T+2 days.
4. Can the balance of live treasure be used to buy other fund products?
A: The available balance of the current treasure can support the purchase of all funds sold by our company (excluding special funds such as QDII; Live treasure, fixed-term treasure related funds).
5. Can other fund products I hold be converted into live treasure products?
A: QDII and other special funds only support the fund to sell back bank cards, while other types of funds (excluding fixed-term treasure-related funds for the time being) support the fund to sell back live treasures.
5. Expected annualized expected return of the live treasure.
1. When do you start to enjoy the expected annualized expected income of the live treasure after recharging?
A: After the recharge is confirmed successfully, you can enjoy the expected annualized expected income of the live treasure within T+ 1 working day. T+ 1 day can be withdrawn after 20:00.
How to calculate the expected annualized expected income? One-day expected unpaid expected annualized expected return = (available balance of live treasure/10000)X expected annualized expected return of the money fund per 10,000 copies per day)
List of days of recharge, confirmation and interest calculation:
For example,1:It will be recharged before June 15:00/000 yuan. On June 20th, the fund company confirmed and began to calculate the expected annualized expected return. On June 2 1 day, the fund company announced that the expected annualized expected return per 10,000 copies on June 20 was 1.3478, so the expected annualized expected return was not paid on June 20 = (1000/10000) x1.
Note: The funds transferred after T 15:00 will be confirmed after 1 working days. On weekends and national holidays, the fund company does not confirm the share.
For example, if you recharge the live treasure 15:00 on Thursday and confirm it on Friday, you can enjoy the expected annualized expected income on Friday and weekend, but if you recharge it after Thursday 15:00, you will not enjoy the expected annualized expected income on Friday, Saturday and Sunday.
2. When can I check the interest (expected annualized expected return) after recharging?
Answer: If you recharge before T-day 15:00, you can enjoy the interest of T+ 1 day (expected annualized expected income). Confirm after T+ 1 day 16:00 (subject to the fund company's confirmation), which can be withdrawn quickly in 724 hours and received in real time.
3. What are the expected unpaid expected annualized expected income and accumulated expected annualized expected income of Lifetime Treasure?
A: The expected unpaid expected annualized expected return is calculated by the cumulative 10000 copies of expected annualized expected return disclosed by the fund company every day (including the expected annualized expected return on weekends and holidays), which is subject to the expected annualized expected return carried forward by the fund company every month. If you recharge different money funds, the expected annualized income that you have not paid in a single day is different. Due to the relevant liquidation rules, the unpaid expected annualized expected income will be updated uniformly after 0: 00 on the day of each trading day.
For example, before June 19 and 15:00, the fund company confirmed to start calculating the expected annualized expected return. On June 2 1 day, the fund company announced that the expected annualized expected return per 10,000 copies on June 20 was 1.3478, so the expected annualized expected return was not paid on June 20 = (1000/10000) x1.
Expected unpaid expected annualized expected income is carried forward once a month. Among the funds supported by Lifelong Bao, South China cash increase currency and Great Wall currency are carried forward on the 5th of each month, Huaan cash increase currency is carried forward on the 6th of each month, and Baoying cash increase currency is carried forward on the 5th of each month. After the carry-over, the expected unpaid expected annualized expected income will be transferred to the balance of the live treasure account. You can also choose ordinary cash withdrawal and full cash withdrawal (if you withdraw cash quickly, it takes two working days for ordinary cash withdrawal), and the unpaid expected annualized expected income will be fully withdrawn into your bank card on the cash withdrawal confirmation date (after 20:00 on T+ 1 day).
Cumulative expected annualized expected return = cumulative estimated outstanding expected annualized expected return+cumulative carried forward expected annualized expected return.
4. How to calculate the expected annualized expected return?
A: The expected unpaid expected annualized expected income is the accumulation of expected annualized expected income obtained every day. One-day expected unpaid expected annualized expected return = (available balance of the live treasure/10000)X expected annualized expected return per 10,000 copies.
For example, before June 19 and 15:00, the life treasure will be recharged by 1000 yuan (by default), and the expected annualized expected return per 10,000 copies announced by the fund company on June 20 is 1.3478, so the expected annualized expected return that has not been paid on June 20 is
Note: When different monetary funds are recharged, the single-day estimated unpaid interest is the weighted sum of the single-day estimated unpaid interest of each fund.
The accumulated expected unpaid interest of the Monetary Fund is carried forward once a month, and the expected unpaid expected annualized expected income after the carry-forward will be converted into the balance of the current treasure account.
Among the funds supported by Lifelong Bao, South China cash increase currency and Great Wall currency were carried forward on June 5438+05, Huaan cash increase currency was carried forward on June 1 1, and Baoying cash was carried forward on May 5.
5. What do you think of the interest (expected annualized expected return) chart of the live treasure?
A: The interest (expected annualized expected return) chart of the live treasure is the weighted average expected annualized expected return of the 7-day history of the money fund you are currently recharging. When the current account balance is 0, the expected annualized expected return is the 7-day historical expected annualized expected return of the current default recharge fund.
6. Can the share of quick cash withdrawal still enjoy the expected annualized expected return of the Monetary Fund on that day?
A: If the cash is withdrawn quickly, the money fund share will no longer enjoy the expected annualized expected return on that day (natural day). For example, on August 26th, rapid cash withdrawal began from 0: 00 to 24: 00, and the expected annualized expected income of some cash withdrawal funds from August 26th will not belong to customers.
7. When will the unpaid expected annualized expected income be carried forward? When can I see the share increase after the carry-over?
A: The Monetary Fund estimates that the expected annualized expected income that has not been paid will be carried forward once a month. Among the funds supported by Lifelong Bao, South Cash-Increasing Currency, Great Wall Currency and E Fund 15 are carried forward, Huaan Cash-Rich Currency 1 1 is carried forward, Baoying Currency 5 is carried forward, and ICBC Currency is carried forward on the first working day of each month. Under normal circumstances, the share will be confirmed on the first working day after the carry-forward date, and the expected unpaid expected annualized expected income will be transferred to the balance of the live treasure account on the second working day.
8. How to take out the expected annualized expected income to the bank card before the unpaid expected annualized expected income is carried forward?
You can withdraw all the cash. After the transaction is confirmed, the principal and outstanding interest (expected annualized expected income) will be transferred to the associated bank account.
9. When will the unpaid expected annualized expected income be updated?
A: The live treasure will be recharged before T-day 15, and interest will start to accrue on T+ 1 working day. T+2 working days announce the expected annualized expected income of the previous working day, and then announce the sum of the expected annualized expected income that has not been paid before every working day.
10, when is the expected annualized expected return for the weekend announced? What about the expected annualized expected income of holidays?
A: Fund companies don't go to work on weekends and holidays, and the expected annualized expected return on weekends will be updated together with the expected annualized expected return on Tuesday and Monday. Similarly, the expected annualized expected income of holidays will be announced and updated on the second working day together with the expected annualized expected income of the first working day after the holiday.
Inquiry and cancellation of intransitive verb transaction
1. What can I inquire about the transaction record?
A: All records, status and transaction details of your current account's recharge, cash withdrawal and quick cash withdrawal can be found in the transaction records.
2. Charging and confirmation time
Note: Funds transferred after 15:00 will be confirmed after 1 working days. On weekends and national holidays, the fund company does not confirm the share.
For example: 20 13 10 (Thursday), the working day is 10 (Tuesday), the confirmation time of the fund company is 10 (Wednesday), and the expected annualized expected return is 10 (June/kloc-0).
3. Can I refund the bill by recharging and withdrawing cash?
Answer: Recharge and quick cash withdrawal cannot be cancelled, and quick or ordinary cash withdrawal can be made on T+2 days after recharge; Ordinary cash withdrawal can be cancelled before the current working day 15:00.
Seven, live treasure to buy funds.
1. What funds can Lifetime Bao buy? Do you enjoy a discount on subscription fees?
A: Lifelong Bao supports the purchase of all funds sold by our company (excluding special funds such as QDII; The related funds of current and fixed-term treasure are consistent with the front-end subscription rate concessions enjoyed by the bank card purchase fund.
2. Is there any limit to the available balance of the active treasure purchase fund?
A: There are two points to pay attention to when purchasing funds with the available balance of active treasure:
1) The funds held by a single card in the associated account of Lifetime Bao need to be retained 1 yuan.
2) The available balance of the bank card selected by Lifetime Bao when purchasing the fund needs to meet the minimum subscription amount limit for purchasing the fund products.
3. Can I choose a bank card account and a live treasure account at the same time when buying a fund?
A: Customers can choose either a bank card or a live treasure account to purchase funds.
4. Can you still enjoy the expected annualized expected return of the money fund on the day when you buy the fund's share with the live treasure?
A: The calculation of the expected annualized expected return of the shares used to purchase the fund on the same day is consistent with the calculation of the expected annualized expected return of the quick withdrawal. Huaan's cash-rich currency share still enjoys the expected annualized expected return of the Monetary Fund on the current working day (trading day), and it no longer enjoys the expected annualized expected return of the Monetary Fund from T+ 1 working day. The shares of cash-increasing currency, Baoying currency and Great Wall currency in South China no longer enjoy the expected annualized expected income of the day.
5. How to inquire about the transaction records of the active treasure subscription fund?
A: You can view the transaction records through Lifetime Treasure-Transaction Records. At the same time, the active treasure subscription foundation generates two transaction records, one is the active treasure withdrawal transaction record, and the other is the ordinary subscription fund transaction record.
6. Can I withdraw my subscription fund? How to cancel the order?
A: The purchase fund of the live treasure can be cancelled before T day (the working day when the transaction is initiated) 15:00.
You can log in to your account and deselect the transaction you need to cancel through fund transaction. After cancellation, the amount before application will be restored in real time.
7. If it fails to withdraw the available balance when buying a fund, will it affect the balance of the current treasure?
A: After the withdrawal of available balance fails, the fund subscription application fails, and the available balance and total amount of the live treasure remain unchanged.
8. Does the failure to buy futures treasure fund have an impact on the balance of futures treasure?
A: After the purchase of this fund fails, the available balance and total amount of the fund will be reduced accordingly, the funds will be returned to the associated bank card, and the purchased fund share will remain unchanged.
Eight, sell funds to live treasure.
1. Which funds can sell clown? Is there a limit to the amount?
A: QDII and other special funds only support the fund to sell back bank cards, while other types of funds (excluding fixed-term treasure-related funds for the time being) support the fund to sell back live treasures.
Pay attention to live treasure when selling funds;
1) The selling share shall not be lower than the minimum selling share requirements (the minimum selling share requirements for Huishengbao and the bank card are different);
2) When the fund is partially sold, the reserved share shall meet the minimum reserved share limit stipulated by the fund company.
2. When will the fund sold to Lifelong Bao begin to enjoy the expected annualized expected return?
A: After the application for selling the fund is confirmed successfully, the confirmed funds can be used to recharge the live treasure. Generally, it takes T+ 1 working day to confirm the recharge of the live treasure, and the interest will be calculated on the working day after the confirmation is successful.
3. How to inquire about the transaction records of selling funds to active treasures?
A: You can view the transaction records in Transaction Query-Fund Transaction Query.
4. Can I cancel the order if I sell the fund to the active treasure? How to cancel the order?
A: You can cancel the order before the current T-day (the working day when the transaction is initiated) 15:00.
You can log in to your account and deselect the transaction you need to cancel through fund transaction.
5. Does the failure to sell the fund affect the account?
A: If the confirmation of selling funds to Active Bao fails, the fund share and balance of Active Bao will remain unchanged.
6. Does the failure to recharge the live treasure affect the account?
A: If the fund is sold to the active treasure, if the fund is sold successfully, but the fund sold fails to be recharged to the active treasure, the total share of the fund sold will be reduced, and the corresponding funds will be returned to the associated bank card, and the balance of the active treasure will remain unchanged.
It should be noted that the following situations may lead to the failure of selling funds to the live treasure:
1) The fund company encounters a large amount of redemption, and the fund sales are suspended or the redemption will continue on the next trading day;
2) Because the minimum recharge of the live treasure is not less than 65,438+000 yuan, the redemption fund redeems less than 65,438+000 yuan due to the market crash and other factors, which cannot reach the minimum recharge amount of the live treasure.
Introduction reading
How to inquire the daily net value of Tian Tian Fund Network?
2065438+May 2005 Tian Tian Fund Net Life Insurance Expected Annualized Expected Income List
The 7-day history of the live treasure is expected to yield 5-25% annualized, and the redemption fee can be cashed at any time.
Is the valuation of Tian Tian Fund Network credible? How to buy a fund according to the valuation?