A wealth management product being sold by the Postal Savings Bank, please note that this wealth management product is not a deposit of the Postal Savings Bank, and it is not guaranteed. It is a net worth wealth management product that is open every day, which means that investors can buy or redeem it freely on the trading day. The following is the postal bank brought to you by Bian Xiao. Can I buy a fund? I hope it helps you!
Can the Postal Savings Bank buy funds?
Yes, generally speaking, the Postal Savings Bank can provide fund sales services, and investors can purchase funds through the Postal Savings Bank.
Funds purchased by banks are generally legal products approved for compliance sales in accordance with relevant laws and regulations. Investors can choose to buy fund products recommended by the Postal Savings Bank and make purchases and transactions through banking channels.
Is the fund purchased by the bank safe?
Venture capital: Fund is a kind of venture capital tool. Investors need to understand the risk factors of funds, including market risk, fund manager risk and asset allocation risk, and make investment decisions according to their own risk tolerance.
Supervision of fund companies: fund companies are responsible for the operation and management of funds and accept the supervision of the CSRC and other regulatory agencies. Choosing a fund company with good reputation, large scale and stable operation can reduce the investment risk.
Product selection: investors should choose appropriate fund products according to their own needs and risk preferences. Different types of fund products with different risk preferences have different investment characteristics and income risks.
Information disclosure and transparency: investors can learn about the fund through fund companies, fund announcements, fund annual reports, fund sales personnel and other channels, including the investment strategy, investment portfolio and performance of the fund. , to assist decision-making.
How long does it take for the Postal Savings Bank to see the benefits in its daily financial management?
T+ 1 day, after the Postal Savings Bank purchases the wealth management products every day, the products will enjoy the benefits from the date of subscription confirmation (including that day). Subscription applications submitted by investors from 0: 00 to 15: 30 on each open day will be accepted on that open day, and subscription applications submitted from 15: 30 to 24: 00 on each open day will be regarded as the next open day.
Risheng wealth management products enjoy product income from the date of purchase confirmation (including the day), and no longer enjoy product income from the date of redemption confirmation (including the day). The trading day refers to Monday to Friday, excluding legal holidays.
How much is the annualized fixed management fee for redeeming 2% before the month rises to 35 days?
If the monthly increase is less than 35 days, 2% of redemption will be deducted and the annualized fixed management fee will be 0.5%.
The formula for calculating the monthly rising interest of wealth is expected ending interest = investment principal _ _ expected annualized rate of return /365__ actual existence days. The expected annualized rate of return for customers holding for less than 35 days is 1.0%, and the expected annualized rate of return for customers holding for more than 35 days is 3.8%.
How long does it take for the Postal Savings Bank to see the benefits in its daily financial management?
T+ 1 day, after the Postal Savings Bank purchases the wealth management products every day, the products will enjoy the benefits from the date of subscription confirmation (including that day). Subscription applications submitted by investors from 0: 00 to 15: 30 on each open day will be accepted on that open day, and subscription applications submitted from 15: 30 to 24: 00 on each open day will be regarded as the next open day.
Risheng wealth management products enjoy product income from the date of purchase confirmation (including the day), and no longer enjoy product income from the date of redemption confirmation (including the day). The trading day refers to Monday to Friday, excluding legal holidays.
On June 5438+0, Risheng RMB wealth management products used dividend reinvestment for income distribution.
On the 2nd, the purchase amount of Risheng wealth management products was 654.38+million, belonging to low-risk PR2.
On the third day, the redemption amount was received in real time, and the purchase and redemption could not be handled on legal holidays.
On the 4th, the proceeds from the redemption share that rose the day before the redemption confirmation date will be carried forward to the holding share after the system processing is completed on the redemption confirmation date.
Risheng wealth management products are non-guaranteed floating products, with no fixed term and continuous operation, which means that this wealth management product has no closed term, but it is not guaranteed. If you plan to buy it, can you bear the risk of loss?
Do bank wealth management products have any income over the weekend?
It depends on the type of wealth management products. Except for stocks and funds, most wealth management products have profits on weekends. The confirmed share does not include the part purchased on weekends, and you can enjoy benefits every day, including weekends and holidays. Income from weekends and holidays will be paid on the first working day after the holiday. For example, the income on Friday, Saturday and Sunday will be paid at noon on Monday.
When banks buy wealth management products, they need to make a risk assessment to see what kind of wealth management products investors are suitable for. Moreover, banks will have handling fees for buying wealth management products, each product is different, and most of them include custody fees, sales management fees, investment management fees, subscription fees and subscription fees.