Chao Ying Chao can be redeemed at any time without handling fee; The monthly profit has a one-month operation period, and there is a redemption fee for early withdrawal before the expiration;
The redemption rules of Rili are more complicated. If it is redeemed quickly from 00: 00 to 09:00 on working days, the principal will be paid in real time after 9: 00; If it is a quick redemption on a working day from 09: 00 to16: 30, the principal and interest will be paid in real time, and at other times, the principal will also be paid in real time, but the interest will be paid in the next working day.
Extended data
Classification of bank wealth management products.
1, a basically risk-free wealth management product
Bank deposits and national debt are guaranteed by bank credit and national credit, with the lowest risk level and low yield. Investors keep a certain proportion of bank deposits, the main purpose is to maintain moderate liquidity, meet daily needs, and wait for the opportunity to buy high-yield wealth management products.
2. Low-risk wealth management products
Mainly various money market funds or debt-biased funds, these products are invested in the interbank lending market and bond market, which have the characteristics of low risk and low income. The professional and decentralized investment of fund companies further reduces their risks.
3. Medium risk wealth management products
It mainly includes trust wealth management products, foreign exchange structured deposits and structured wealth management products.
4. High risk financial products
QD ⅱ and other wealth management products belong to this category. Due to the high-risk characteristics of the market itself, investors need to have professional theoretical knowledge, so as to have a deeper understanding of foreign exchange and foreign capital markets and choose financial products that suit them instead of regretting the losses.
References:
Encyclopedia-bank wealth management products