The implementation of "purchase, redemption is effective immediately, funds in real time to account." Therefore, it is popular among investors. However, the bank "T+0"Financial management
Products also have certain risks, so how to choose bank "T+0" wealth management products? There are several things to note below.
Bank T+0 wealth management products may also face various investment risks, such as market risks caused by changes in asset prices caused by changes in international and domestic financial markets, credit risks that corporate bonds and loan companies cannot pay on time, and customer principal and income may be Delayed redemption of liquidity risk and policy risk, etc., to ensure that all financial risks are within their own tolerance.
: Such products shall agree on the redemption time in advance on each trading day. Investors should arrange the funds in and out reasonably within the specified trading time so as not to affect other investment operations.
: Each "T+0" wealth management product will stipulate the frequency and method of its own earnings announcement. Most banks publish the earnings of the previous trading day, butEverbright Bank
The current life-saving treasure announces the expected annualized rate of return from Wednesday to next Wednesday, which is conducive to improving the accuracy of capital decisions.
No.4Huge redemption clause
Most banks set a large redemption limit for redemption of such products, so if they encounter new shares, investors can redeem them in advance to avoid the embarrassment of funds.
: Although there is generally no subscription or redemption fee, banks usually deduct lower product management fees and custody fees.
The wealth management products have higher thresholds than demand deposits and generally do not fall below 50,000 yuan. Banks also set different rates of return for different levels of investors. Generally speaking, the larger the amount, the higher the rate of return.