If there is 654.38+10,000 yuan to buy the wealth management products issued by ICBC, the total annual yield will be between 3% and 4%. According to this interest rate, 654.38+ 10,000 yuan can earn 3000-4000 yuan a year. According to this rate of return, it will be between 6.5438+0.5 million and 20,000 yuan in five years.

Then let's look at the situation of buying ICBC. ICBC shares pay dividends every year. Historically, ICBC's dividend yield is between 3% and 7%, and ICBC's dividend yield is relatively high.

With the same capital of 6.5438 million yuan, if you buy ICBC shares, you can get dividend income of 3,000 ~ 7,000 yuan every year according to the dividend rate of 3% ~ 7%. With a term of five years, the total dividend income of ICBC's stock is 1.5 million ~ 35,000 yuan.

Don't ignore the fact that if you buy ICBC shares, you will also get a stock premium income, although the stock trend of ICBC has an average of several points of income every year; In the past 10 years, ICBC's dividend and stock premium income averaged 12.36% per year, which means that ICBC holds more than10,000 funds per year.

Moreover, ICBC will have a compound interest transaction after paying dividends every year, which means that it can buy stocks again after paying dividends every year, and compound interest every year will also improve the investment income of the holding industry and commerce.

ICBC's wealth management products are different. All wealth management products have a time limit. Only when the wealth management products bought by ICBC expire will the principal and interest be settled together, and there is no compound interest function. This is the biggest drawback of wealth management products.