If the wealth management products of Minsheng Bank expire, when will my money arrive?

It will arrive in about 2-3 business days. Investors do not need to redeem the wealth management products purchased by the bank after they expire. The principal and income will generally be returned to the investor's current account within 2-3 trading days.

Depending on the bank's past arrival time, it is likely to arrive around 8 p.m. after 2-3 trading days. At that time, investors can pay attention to the bank card SMS or inquire about the transaction details. Of course, if it falls on a public holiday, the arrival time will be postponed.

Some banks' wealth management products can be renewed after maturity, that is, the products will enter the next investment cycle. If the investor chooses to renew, the general income will arrive first after maturity, and the principal will continue to be transferred.

Extended information: 1. After the maturity of a wealth management product, investors can check whether the difference between the yield to maturity and the expected rate of return of the wealth management product is too large. If the difference is large, they should consider whether to continue investing in the next period.

For example, a product has an expected rate of return of 4% for one year. If the yield is 3000 after maturity, the yield is 1% lower.

2. Investment products, i.e., products designed and issued by commercial banks and formal financial institutions, invest the raised funds in the relevant financial market, purchase relevant financial products in accordance with the product contract, and distribute the investment income to investors according to the contract.

3. The China Insurance Regulatory Commission issued the Interim Measures for the Administration of Sales of Wealth Management Products of Financial Management Companies, strengthening the management of the sales process of wealth management products, clarifying a number of prohibited behaviors in the sales process of wealth management products, and effectively protecting the legitimate rights and interests of investors. These Measures shall come into force on June 27, 2021.

4. Commercial banks and formal financial institutions are classified by currency: RMB, foreign currency and dual currency financial products, target profit, quick navigation, financial risk disclosure, sales of personal financial risk control products under the new regulations.

5. Common products and short-term products pledged by ** financial classification, risk-related wealth management typesBank RMB wealth management products can be roughly divided into bond type, trust type, linked type and QDII type. Bond typeWhen investing in the money market, the investment products are generally central bank bills and corporate short-term financing bonds.

6. Since central bank bills and corporate short-term financing bills cannot be directly invested by individuals, such RMB wealth management products actually provide customers with the opportunity to share investment returns in the money market. Trust type: Trust products that invest in the guarantee or repurchase of commercial banks or other financial institutions with high credit ratings, and also invest in trust products that benefit from the excellent credit assets of commercial banks.

7. The final rate of return of hook type products is linked to the performance of the relevant market or product, such as exchange rate, interest rate, international gold price, international ****, Dow Jones index, Hong Kong stocks, etc.

8. Types of QDII: The so-called QDII, i.e., qualified domestic investment institutions conducting overseas wealth management on behalf of customers, refers to commercial banks that have obtained the qualification of overseas wealth management on behalf of customers. In short, QDII RMB wealth management products are the assets of customers who entrust their RMB funds to qualified commercial banks, which convert RMB funds into US dollars, directly make overseas investments, and convert US dollar earnings and principal into RMB after maturity.

1. After the expiration of the wealth management product, it will generally arrive in the account within 1-3 working days, and the specific arrival time is subject to the time displayed on the product page.

2. "T" refers to the maturity date of the product, but after the maturity of the product, it does not mean that the investor's principal and income can be received on the same day, but enters the liquidation period of principal repayment, that is, "N", in this period, the investment funds do not have any interest.

3. There is a phenomenon of "T+N" in major banks, and the general liquidation period is 1-3 working days. In addition, if it is a wealth management product distributed by a bank, it will generally take 3-5 working days.

4. If the wealth management products sold by the consignment are outside the Haisuo's, this liquidation period will be even longer, and it will take at least 7-9 working days.

Now, many banks have launched wealth management products, most of the bank's wealth management products are 1 3 working days after the maturity date of the product, but there are also longer, such as 5 working days, at present, different banks are inconsistent on the arrival date, so even in the same bank due to the different nature of the product, there are differences in the arrival date. So be sure to ask when buying.

1. What is a wealth management product?

Wealth management products include: bank deposits, current savings, investment, bank "monthly plan" wealth management, direct investment, purchase of physical investment: such as buying or jewelry or antiques, calligraphy and paintings, etc. are called wealth management products.

2. Why has the wealth management product not arrived when it expires?

Because each bank has different transaction rules, the arrival time is different. Some can be redeemed before 16:30 on the same day, and the funds can be received within 2-3 hours. The money market ** is effective on the same day**, and the investment can be redeemed at any time on the next day, and after redemption t+1 day (t"refers to the expiration date of the product).

At the same time, it is important to note the following:

1.Pay attention to the redemption fee and redemption period to prevent the suspension of redemption, when the financial plan manager suspends accepting redemption applications on the same day, investors can continue to submit redemption applications on the next trading day.

2.Pay attention to the issue of huge redemptions, in the early stage, many banks have suspended the redemption of ultra-short-term wealth management products due to the triggering of huge redemption terms, and short-term wealth management products will generally agree on a fixed period (such as 3 days, 7 days, 14 days, etc.), and the funds can only be recovered after maturity. At the same time, the product consists of a subscription period, a value date, a maturity date, a liquidation date, a payment date, etc., and investors' funds only calculate the income between the value date and the maturity date.

In addition, no matter which CCB wealth management product is used, there will be certain risks, and the choice of which one depends on the user's actual situation and experience.

1. If the working day is the expiration date: it is generally the same day of the account;

2. If it is a holiday, it is the due date: it is usually the first day after the rest day.

Features of CCB's wealth management products:

The minimum investment threshold is 50,000 yuan, which is down-to-earth and has a relatively high rate of return. (It should have been changed to 10,000 now).

2.Zero-life redemption products are more distinctive. Among the five major banks, CCB has the highest daily salary premium (daily) type of product series. Chain fierce.

3.The investment threshold of different products is quite different, and there are products with higher yields for high-net-worth customers of more than 100,000 yuan, which are more attractive to high-end wealth management customers.

4.There are relatively many types of products, and the mainstream products are non-principal-guaranteed Qianyuan series.

5.Personalized, differentiated product design thinking is prominent. There are obvious differences in the expected rate of return of products through different investment channels, and there are special wealth management products exclusive to online banking and mobile banking.

6.The idea of regional differentiation is not emerging. There are basically no regional differences, and most of the products are sold in branches in various provinces and cities.

For details, please refer to: the official website of China Construction Shed Rolling Bridge Bank.

Usually it will arrive the next day. If it's fast, it will arrive on the same day. Others should arrive within three or five working days. Different wealth management products have different maturity time regulations. Generally, the arrival time of wealth management products is relatively late.

Generally, after the regular bank's wealth management products are fixed, the principal and income will be returned to the bank card that originally purchased the wealth management in the evening of the same day. If you don't receive the money, you can call the bank's customer service** for consultation.