First of all, the investment cycle of Industrial Bank is 35 days a month, and the annual interest rate is 5.5%, which is about 0.46%. This interest rate should be guaranteed, but it is a floating interest rate, which means that there may be no income this month, and the daily income combination needs to be dispersed throughout the month to form an average monthly interest rate. It should be said that the interest rate of banks is not high, because most of them are commission system. Most people in China basically believe in the psychology of banks and think that banks can protect their capital. In fact, banks will be allowed to fail in the future, just like the United States. Therefore, it is better to find a large financial institution to manage money, be optimistic about the project and know where the income point is, so that the income will be fixed. Don't you think so? I hope pure-handed adoption!
How about Xingye Tiantianwanlibao products? Are there any zero returns or negative returns? Is it risky to buy for a year now?
The principal of this product is risk-free and the income is relatively small. It is still possible as a configuration. At present, it should be relatively safe to invest in stocks or bond funds. At present, bonds and stocks have experienced a sharp decline, and the need for future rebound is relatively large, which can be properly considered.
How about Wanlibao, the wealth management product of Industrial Bank?
The income of bank wealth management products is low, and wealth management products can choose wealth management.
The interest rate of each of those products is different. Different products certainly have different returns.
But relatively speaking, the product with high interest rate has high income, and the product with low interest rate has low income.
However, the risk of high interest rate is higher, and it depends on your own choice for these problems.
And the web version also supports the maximum deposit of10 million.
How about Wan Li Bao every day?
Tian Tian Wanli Bao
product description
"Everyday Wanlibao" RMB wealth management product: It is the first series of perennial low-risk wealth management products launched in the industry through detailed analysis of the wealth management needs of stable customer groups, taking into account the liquidity and high profitability of funds on the premise of maintaining high security of principal. The product investment direction is government bonds, central bank bills, financial bonds and short-term financing bonds with strong liquidity in the inter-bank bond market.
Interbank deposits of other Chinese and foreign commercial banks outside the Bank and corporate bonds and bills provided by national commercial banks that meet the requirements of the Bank's authorized credit.
"Everyday Wanlibao" is a brand of RMB personal financial management business of Industrial Bank, which sells products for the bank's counters all the year round, and regularly launches one issue every Tuesday. The biggest feature of this product line is uninterrupted sales. It has changed the situation that traditional bank wealth management products are sold in limited time, allowing investors to choose wealth management products every day.
The Term Structure of Daily Wan Li Treasure
According to the market situation, the "Everyday Wanlibao" series products have launched financial products with different term structures in different periods, mainly 1 month, 2 months, 3 months, 4 months, 5 to 6 months, and 1 year.
Why invest in Daily Wan Li Treasure?
"Everyday Wanlibao" is famous for its high security, higher income than the same period, more savings and strong liquidity, and is suitable for stable customers who pursue relatively stable income.
Product characteristics
1, "Tiantianwanlibao" takes low-risk financial assets as the subject matter, and uses professional investment and financial management methods to operate assets on behalf of customers to achieve stable investment income;
2. Since the first issue of "Everyday Wanlibao" was issued in September 2006, it has won a good response in the national RMB wealth management market with its distinctive brand image of "safe and reliable, timely payment and leading similar products in the market".
The main investment direction of "Daily Wanlibao"
"Tian Tian Wanlibao" mainly invests in government bonds, central bank bills, financial bonds and short-term financing bills with strong liquidity in the inter-bank bond market, interbank deposits of other Chinese and foreign commercial banks outside the Bank, and corporate bonds and bills with credit support provided by national commercial banks that meet the authorization requirements of the Bank.
operating procedure
1. When an individual customer entrusts a bank to handle wealth management business, he/she must first open an Industrial Bank Card or passbook RMB settlement account in the bank;
2. The customer obtains the relevant information about the issuance of wealth management products at the bank branch or through the personal account manager;
3. If customers are interested in purchasing wealth management products, they should go through the corresponding procedures at the private counters of bank outlets and sign the RMB Personal Finance Agreement of Industrial Bank with the bank. Once the financial management agreement is signed, the financial management contract will take effect;
4. On the value date of wealth management, the bank transfers the wealth management funds from the customer settlement account to the special wealth management account for fund operation. During the operation, the bank will release information about the operation of wealth management products through the websites and counters of various operating institutions according to the agreement of wealth management business;
5. Upon the expiration of the financing operation, the bank will deduct the investment income from the management fees and other expenses, and transfer it together with the financing principal to the RMB settlement account specified by the customer in the agreement.
"Daily Wanlibao" Investment Example
Investment currency, RMB; The investment amount is 50,000 yuan;
Investment period: half a year. The expected rate of return on investment is 5% per year;
At the end of the investment period, the investor got the principal+income: 50,000× (1+5%/2) = 51.25 million.
Simple analysis: the yield of this product is much higher than the savings rate in the same period, ranking first among similar products.
Risk disclosure
"Everyday Wanlibao" series products belong to low-risk wealth management products, and the financial yield varies with the duration and investment direction of different products. Investors should clearly understand the investment risks and voluntarily bear the risks and legal consequences brought by the transaction.
The above product descriptions and examples will change according to market conditions, and the product prices are for reference only. The product model can be designed according to the investor's actual situation, and the financial agreement and financial product specification shall prevail. ...& gt& gt
Which is the daily Wan Li treasure of Industrial Bank?
Entrusting a bank to sell is risky! Suitable for short-term, which product to buy has high interest rate and short time. Never buy for a long time.
How about a steady profit every day?
Tiantianwanlibao Product Introduction "Tiantianwanlibao" RMB wealth management product: It is a series of low-risk wealth management products launched for the first time in the industry all year round through a detailed analysis of the financial needs of stable customers, on the premise of keeping the principal highly safe and taking into account the liquidity and high profitability of funds. The investment direction of products is government bonds, central bank bills, financial bonds and short-term financing bills with strong liquidity in the inter-bank bond market, interbank deposits of other Chinese and foreign commercial banks outside banks, and corporate bonds and bills that meet the requirements of the Bank's authorized credit. "Everyday Wanlibao" is a brand of RMB personal financial management business of Industrial Bank, which sells products for the bank's counters all the year round, and regularly launches one issue every Tuesday. The biggest feature of this product line is uninterrupted sales. It has changed the situation that traditional bank wealth management products are sold in limited time, allowing investors to choose wealth management products every day. "Daily Wanlibao" term structure "Daily Wanlibao" series products launch financial products with different terms according to market conditions, mainly 1 month, 2 months, 3 months, 4 months, 5 to 6 months, 1 year. Why invest in Daily Wan Li Treasure? "Everyday Wanlibao" is famous for its high security, higher income than the same period, more savings and strong liquidity, and is suitable for stable customers who pursue relatively stable income. Product features 1. "Tiantianwanlibao" takes low-risk financial assets as the subject matter, and uses professional investment and financial management methods to operate assets on behalf of customers and realize stable investment income; 2. Since the first issue of "Everyday Wanlibao" was issued in September 2006, it has won a good response in the national RMB wealth management market with its distinctive brand image of "safe and reliable, timely payment and leading similar products in the market". The main investment direction of Tiantianwanlibao is Tiantianwanlibao, which mainly invests in government bonds, central bank bills, financial bonds and short-term financing bills with strong liquidity in the inter-bank bond market, interbank deposits of other Chinese and foreign commercial banks outside banks, and corporate bonds and bills with credit support provided by national commercial banks that meet the requirements of bank authorization. Operation process 1. Individual customers need to open a bank card or passbook RMB settlement account in the bank before entrusting the bank to handle wealth management business; 2. The customer obtains the relevant information about the issuance of wealth management products at the bank branch or through the personal account manager; 3. If customers are interested in purchasing wealth management products, they should go through the corresponding procedures at the private counters of bank outlets and sign the RMB Personal Finance Agreement of Industrial Bank with the bank. Once the financial management agreement is signed, the financial management contract will take effect; 4. On the value date of wealth management, the bank transfers the wealth management funds from the customer settlement account to the special wealth management account for fund operation. During the operation, the bank will release information about the operation of wealth management products through the websites and counters of various operating institutions according to the agreement of wealth management business; 5. Upon the expiration of the financing operation, the bank will deduct the investment income from the management fees and other expenses, and transfer it together with the financing principal to the RMB settlement account specified by the customer in the agreement. Example of "Tian Tian Wanlibao" investment currency, RMB; The investment amount is 50,000 yuan; Investment period: half a year. The expected rate of return on investment is 5% per year; At the end of the investment period, investors get the principal plus income: 50,000× (1+5%/2) = 51.25 million. Simple analysis: the yield of this product is much higher than the savings rate in the same period, and it ranks among the best in similar products. Risk reveals that "Tiantianwanlibao" series products are low-risk wealth management products, and the wealth management yield varies with the duration and investment direction of different products. Investors should clearly understand the investment risks and voluntarily bear the risks and legal consequences brought by the transaction. The above product descriptions and examples will change according to market conditions, and the product prices are for reference only. The product model can be designed according to the investor's actual situation, and the financial agreement and financial product specification shall prevail.
How about the "Daily Wanlibao" wealth management products of Industrial Bank?
P2P financial management is still good, but you should choose safety, so risk control measures are very important, but don't be greedy. Choose the one with too high income, generally 10% is good. Again, the most important thing is risk control! It is best not to buy online P2P. If the main business is offline, with risk reserve, managed by a third-party bank with risk reserve, fully guaranteed by a small loan company, 100% discounted mortgage in kind, and triple credit review, FICO scoring system is the best, which will shield risks.
How about Industrial Bank Wanlibao?
Industrial Bank's daily Wanlibao is divided into ABCD, which is updated every week, with a minimum of 9 days, 35 days and a maximum of more than 300 days. The income is good, and the annualized income ranges from 3.5% to 6%. The most important thing is to ensure income. Mainly engaged in investment banking bill business.
Which is better, Industrial Bank Daily Wanlibao Open or Daily Wanlibao?
They all belong to low-risk non-guaranteed type, and the risk of principal loss is very low. Since the opening of the bank, there has been no financial loss of the principal for the time being, so you can basically rest assured.
What is the investment direction of Industrial Bank Tiantianwanlibao?
There are many kinds of Wan Li treasures every day, including open ones and weekly ones. Different wealth management products have different investment directions. For example, the head office recently issued the 20 14 issue of No.9 Tiantianwanlibao A, with an investment time of 35 days and an initial investment amount of 5W yuan.
The main investment scope includes but is not limited to: (1) money market instruments such as interbank lending and bond repurchase, bank deposits and other interbank financing instruments; (2) Bonds and debt financing instruments in the interbank and exchange markets such as treasury bonds, policy financial bonds, central bank bills, short-term financing bills, medium-term bills, corporate bonds and corporate bonds, and other short-term investment instruments with fixed income; (3) other financial assets such as trust plans (beneficial rights) and their combinations that meet the requirements of the regulatory authorities.
At present, the wealth management products of Industrial Bank are generally non-guaranteed, but up to now, basically all wealth management products have achieved the expected income. If you are worried and don't want to invest for a long time, you can buy cash treasure 1, No.3 and No.4, and you can apply for redemption every financial trading day.