As Xingyin Tianlibao is a fund and a value-based wealth management product, the raised funds are invested in products with no less than 80% creditor's rights assets, such as deposits and bonds, and Xingyin Wealth Management does not guarantee the principal of this product, nor does it promise any fixed income.
But the risk level is R 1, and the risk can be basically ignored. The initial amount of each subscription/purchase is 1.00 yuan.
Xing Yin Tian Baoli is a cash management product issued by Xing Yin Wealth Management Co., Ltd. (a wholly-owned wealth management company of Industrial Bank). There is nothing wrong with the product itself, and there is no non-compliance at present. Basically, it is similar to the money fund.
First look at the basic attributes of the product: the initial purchase amount of the product is 0.0 1 yuan, and a single person can hold up to 200,000 yuan, which supports unlimited real-time transfer (no income is calculated on the transfer day).
Look at the investment of products: as a fixed-income product, there are certain requirements for the investment scope of products. Interested friends can look at the manual of this product. There is no need to expand here. After all, as a user, you can't know the location of the product in real time. It can be seen as an investment similar to a money fund.
It is emphasized here that this product is not a bank deposit product. Although it is indeed a low-risk product (R 1 according to the internal rating of Xingyin Finance), after reading the product manual, we can know that this product itself belongs to non-guaranteed and non-fixed income.
Therefore, this product, if described in one sentence, is a wealth management product issued by a wholly-owned wealth management company of Industrial Bank sold by Weizhong Bank.
There are two points about this product: 1. Management fees are currently phased concessions. By 20201October 3 1, the sales service fee will be reduced from 0.3% to 0%, and the investment management fee will be reduced from 0.2% to 0. 1%. Net worth products earned an annualized income of 3.25% yesterday. How much will it be in the future? This is still worth looking forward to. 2. The current real-time transfer-out is provided by the leading bank, which is not a legal obligation (original words of product introduction page).
The provision of this service is not guaranteed by 100%. Please also find out (you know, there is a limit to the rapid transfer of money funds at present, 10000, but there is no limit to this similar product. Personally, I think it is mainly because of the new products, and there will be similar regulations in the future).
Although it is indeed a low-risk product (R 1 according to the internal rating of Xingyin Finance), after reading the product manual, we can know that this product itself belongs to non-guaranteed and non-fixed income. So this product.
If described in one sentence, it is a wealth management product issued by a wholly-owned wealth management company of Industrial Bank, and Weizhong Bank is selling it. For most users, it is a normal demand to pursue higher returns under safe conditions (or under conditions where risks can be tolerated).
If you have sufficient funds, 200,000 certificates of deposit+is definitely the first choice at present. Without 200,000+,there are actually many high-interest demand deposits, such as 3.8% smart deposits of Yingkou Coastal Bank and 3.3% Trinity Chain deposits of Sanxiang Bank. How is it more fragrant than this period! After all, bank deposits are products that protect capital and interest.