According to different liquidity, "Gan Yuan" open series products include products with different investment cycles, such as Tiantianying, Zhouzhouying and Bizhouying, which fully meet customers' demand for highly liquid products. The functions of each product are as follows:
First, dry Yuan-every day.
Rolling investment every 1 day. The starting point for purchasing products for the first time is 50,000 yuan, and the historical annualized expected rate of return can be handled at 8: 30- 15: 30 every working day. It is hoped that the subscription funds will be deducted in real time to participate in the investment, and the redemption funds will be received in real time. If the investment principal is partially redeemed or not redeemed, the remaining principal and all the expected income will be automatically included in the principal rolling investment in the next cycle and enjoy the expected income of compound interest.
Second, dry Yuanzhou Zhou Ying
Taking every 7 days as an investment cycle, the initial purchase amount is 50,000 yuan, and the historical annualized expected rate of return can be used for product purchase and redemption every day. Every Wednesday (in case of holidays, it will be postponed to next Wednesday), deduct the subscription funds to participate in the investment and receive the redemption funds. If the principal is partially redeemed or not redeemed, the remaining principal and all expected income will be automatically included in the principal rolling investment in the next cycle and enjoy the expected income of compound interest.
Third, dry yuan-biweekly surplus
The starting point for the first purchase is 50,000 yuan, and the historical annualized expected rate of return varies according to the number of days the product is held. If it is less than 14 days, it will reach or exceed 14 days. Product purchase and redemption procedures can be handled at 8: 30-65,438+05: 30 every working day, and the purchase funds will be deducted in real time to participate in the investment, and the expected return on investment will be calculated. The products are provided on the 5th and 20th of each month, and the redemption principal and expected income will be returned to the contracted account on the first open day after the redemption application.
In terms of liquidity, "Gan Yuan" series products include different liquidity products with investment cycles of 65,438+0 days, 7 days and 65,438+04 days respectively, which can meet customers' demand for high liquidity products and provide rich liquidity options.
In terms of security, "Gan Yuan" products adopt the mode of portfolio investment, and the raised funds are invested in financial instruments such as trust beneficiary certificates, bond market, bank bill assets, money market funds, interbank deposits, etc., which has stronger anti-risk ability. At the same time, in order to match the high liquidity characteristics of Gan Yuan products, CCB's convenient online banking allows investors to complete their investment at any time through network operation, which is simple and convenient.
Compared with baby products such as Yu 'ebao, the expected income is lower, and compared with the open financial management of other banks, the expected income is also lower. However, as an old customer of CCB, many customers don't want to move assets or have tied up a lot of business dealings, so after Gan Yuan opened a series of wealth management products, it still set off a subscription boom in the whole country.