The risk level of Guangfa Bank is Grade II, and it mainly invests in bonds and money market instruments. The risk level of CGB wealth management products is * * * five. The higher the level, the greater the risk.
The T day in the daily salary and monthly profit (T+0) refers to the trading day of the CSRC, with 15:00 as the boundary, T days around 15:00, and T+ 1 day after 15:00. Weekends and legal holidays are not trading days. Daily salary and monthly profit (T+0) belong to non-guaranteed floating wealth management products, 1, investment 1, increase1; The investment period is unlimited, and the expected rate of return is 3.45%-4. 1%. Interest is calculated by document. The longer the deposit time, the higher the interest rate: if the daily salary is less than 8 days, the interest will be calculated at the annual rate of 3.45%; If the monthly deposit income exceeds 8 days (inclusive) but is less than 15 days, the interest will be calculated at the annual interest rate of 3.55%; If the monthly income of daily wage (T+0) is deposited in 15 days (inclusive) but less than 3 1 day, the interest shall be calculated at the annual interest rate of 3.60%; If the monthly deposit income exceeds 3 1 day (inclusive) but is less than 6 1 day, the interest will be calculated at the annual interest rate of 3.70%; If the monthly deposit income exceeds 665,438+0 days (inclusive) but is less than 965,438+0 days, the interest will be calculated at the annual interest rate of 3.80%; If the monthly deposit income exceeds 965,438+0 days (inclusive) but is less than 65,438+0 days, the interest will be calculated at the annual interest rate of 3.90%; If the daily salary is deposited in excess of 18 1 day, the interest will be calculated at the annual interest rate of 4. 10%.
Buy daily salary and monthly profit (T+0) at 8:30- 15:30 on the trading day, and take the value on that day; After 15:30, apply for the daily salary and monthly interest (T+0), and the value will be taken from the next working day. Except during the liquidation period of the background system, the daily salary and monthly profit (T+0) of redemption will be received in real time. Among them, there is no redemption ceiling from 8: 30 to 15: 30 on the trading day, and the redemption ceiling in other time periods is 50,000 yuan, which shall not exceed 10% of the total remaining principal of the previous trading day.