Can I withdraw the money in advance, the wealth management I bought?

Wealth management products cannot be withdrawn in advance if they do not expire, and the income will be affected if they do not expire.

Wealth management products are a type of wealth management products designed and issued by commercial banks and formal financial institutions, in which the raised funds are invested in the relevant financial markets and purchased in accordance with the product contract, and the investment income is obtained, and then distributed to investors according to the contract.

Wealth management products can generally be purchased through commercial banks or non-bank financial institutions.

1. Traditional channels include: banks, insurance companies, ** companies, ** companies, ** companies.

2. Emerging channels include: third-party financial institutions and comprehensive financial service institutions.

It depends on the wealth management products you bought in **, if it is a bank, you can take it out in advance but there is no interest or calculated according to the current interest, if it is a financial product of Alipay, it is recommended to consult customer service.

Can't withdraw money in advance, do I buy a bank? Well, now what? The bank has launched a variety of financial management methods, but his interest will be higher than that of fixed deposits, so everyone will choose the way of financial management to store money in the bank, but this way of financial management can indeed increase our interest income, he also has disadvantages, that is, when you need money urgently, you can't take out the money, you can't withdraw money in advance.

Whether it can be withdrawn in advance depends on whether the contract at the time of purchase stipulates whether it is withdrawn in advance.

If it is a regular wealth management product, it will enter a closed period after the establishment of the wealth management, and no operations can be done during the closed period, that is to say, the wealth management cannot be taken out before it expires. Please refer to the prospectus of the wealth management product for details. If you invest in Ping An Bank's wealth management products, you can log in to Ping An Pocket Bank APP-Finance-Wealth Management-My Wealth Management to inquire about the redemption rules of wealth management products and try to redeem them to make an appointment.

Tips: Single-phase products do not need to be redeemed, and will be settled within the time specified in the product manual after expiration; Rolling wealth management products need to submit redemption instructions according to the open period specified in the product, and failure to submit them will be regarded as continuing to invest, and you will continue to invest until the next cycle.

The first situation is that when your wealth management product expires, you can directly refer to the designated bank card.

The second situation is that when your wealth management product expires, first mention the account number of the wealth management bank or wealth management platform, and then transfer it from this account number to your bank card.

Financing refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

Extended information: The institutions that can provide customers with financial services in China mainly include banks, ** companies, and investment companies.

1 Bank Finance.

The wealth management products provided by China's commercial banks are generally large-amount certificates of deposit, asset management products, etc., and those issued by securities firms or companies on behalf of the company do not belong to wealth management.

2 **Corporate Finance.

Wealth management generally includes, income certificates.

asset management products, etc.

3 Insurance and financial management.

Insurance and financial management are more inclined to long-term, focusing on solving the education planning and pension planning after a long period of time, and at the same time solving the problems of accident and medical protection.

4. Invest in corporate finance.

Investment company wealth management generally includes trusts**.

**Investment, jade, jewelry, diamonds, third-party wealth management, etc., require a higher starting capital, suitable for high-end financial professionals.

5 E-commerce financial management.

How to manage your money. To the bank, ** corporate wealth management needs to open a corresponding wealth management account. Generally speaking, through the wealth management account opened by the bank, you can handle savings products and bank wealth management products and ** products, and large banks can also purchase them through the banking system.

Due to the wide distribution of bank outlets, investment and wealth management opened through banking channels.

Accounts can be processed at the bank counter.

**Wealth management account opened by the company can be used** (including A shares.

B shares, H shares.

etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), ** (including financial ** such as stock index**.

foreign exchange, commodities, such as agricultural products, etc.) and a series of investment and financial tools. **Account opening can be handled at the business department of each **company, which needs to be handled within the trading day.

The procedures for investing in a company are more convenient, and you generally only need to provide your own ID card.

and a copy of the bank card. Investment companies will also customize exclusive financial plans for customers.

You can go to the bank and withdraw the money you want to manage.

Money used for wealth management can be withdrawn in the middle of the journey, but it is different from bank deposits and withdrawals. Bank deposits and withdrawals will be sent to you at the prevailing interest rate. Then financial management, without interest, even a small part will be lost.

As a punishment, it should be, so it can be taken out halfway, but a small portion will be lost. There are many types of financial management, including current financial management, treasury management, inventory management, periodic financial management, and closed financial management. The duration of each cycle is different.

Some can be taken out at any time, and some can only be taken out after expiration.

In exceptional cases, it is also possible to request a withdrawal, but some profits will be lost. Depending on the type of financial management, similar to the current financial management, it can be in the middle, and some regular financial management is not allowed to be brought out in the middle or in the middle, which will lose a significant part of the income. If a bank's wealth management product needs to be redeemed, whether it can be redeemed before the maturity of the wealth management product mainly depends on the redemption conditions stipulated in the wealth management product you purchased.

For example, term financial products cannot be redeemed early. For some financial products, such as **, investors can redeem early within a specific period of time, but they need to pay a certain redemption fee. Some financial products also have break-even clauses.

If redeemed early, investors may lose their principal. The principal is guaranteed only after the expiration of the product. Unless the bank terminates the wealth management product in advance, or the investor invests in the ** wealth management product, the bank wealth management product shall not be terminated in advance.

Investors need to carefully read the financial product manual, which has detailed instructions. Investors should comply with financial management instructions. In order to protect the interests of investors, bank wealth management products can be terminated in advance according to market changes during the use of wealth management products.

Investors may be exposed to the risk of not being able to obtain the expected returns within the expected period and the risk of reinvestment. Everyone's income can basically be distinguished by labor income and asset income. Most people's main income** is labor income, which is the basic remuneration for working in a company.

The return on assets requires a certain amount of original capital accumulation.

No, please check with your bank for details. Generally speaking, bank wealth management products are closed. Closed-end wealth management products cannot be withdrawn in advance, but can only be withdrawn after the expiration of the product.

For example, bank wealth management products that are less than 3 months old cannot be taken out in advance, but they can be transferred, and they can get due income after transfer. But if it's going to be assigned to someone, it's up to the bank to support it.

In addition, some banks' wealth management products do not support rollover, which is subject to the bank's regulations.

Data. The expected rate of return of a bank's wealth management product is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, but the contract is the most standardized agreement for wealth management products.

Financial experts said that in the current weak market environment, investors should carefully read the product brochure when buying bank wealth management products, and should not have high expectations for wealth management products.

Some financial experts believe that the term of bank wealth management products is long and short, and some half-year or one-year wealth management products may be issued at a high level. Now the stock index has been "cut in half". If this kind of wealth management product loses money, it is difficult to "turn over" in the short term.

Some wealth management products have a longer term and a better design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits.

Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customers on the basis of analysis and research of potential target customers. In the investment model of wealth management products, the bank only accepts the entrustment of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed manner.

Each bank will launch different wealth management products, and customers may buy several different products, so it is very troublesome in the process of screening and post-management. Without a unified tool, you won't have much time to go to the bank. Zhejiang He Xin Flush recently launched a management software "bank wealth management book" specifically for bank wealth management products.

This software collects hundreds of the latest financial products of Prime Bank in China, and you can instantly find financial products that meet the time, place and scale of users! The disadvantage is that it does not reveal the risks of every bank wealth management product.

The main functions of the bank's financial management:

1.The most comprehensive bank coverage: covering the mainstream state-owned and commercial banks in China, and constantly updated.

2.Rapid positioning of wealth management products in the same city: According to GPS positioning, quickly find the products of nearby outlets of banks in the same city, one step ahead of others.

3.Choose the right financial product: Choose the right product according to your actual situation.

4.Convenient income calculation: Compare bank deposits in the same period to help you make careful calculations.

Generally, bank wealth management products cannot be withdrawn in advance without maturity.

In general, early redemption of wealth management products is not allowed (such as fixed-term products); Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time, and they need to pay redemption fees (such as **); Some wealth management products have a principal protection clause, but the premise is that the product must mature, and investors may lose the principal if they redeem it early.

Extended Materials. Wealth management products are products designed and issued by commercial banks and formal financial institutions.

It will raise funds according to the product contract to invest in the relevant financial market and purchase related financial products, after obtaining investment income, according to the contract to distribute to investors, divided into bond, trust, linked, QDII and electronic spot.

If a wealth management product is set up with effective risk control measures, it is equivalent to laying a safety cushion for itself and reducing product risks.

Advantages and disadvantages of investing in three types of capital-guaranteed wealth management products.

Category 1: RMB fixed income products.

Advantages: Most of these products are short-term products, and the operation mode is mainly based on bond investment and trust fund-raising, with a yield of 3% and 5%, and the principal is guaranteed. This type of product is suitable for investors who are older and have a lower risk tolerance.

However, if you are in an interest rate hike cycle, it may be difficult for the product to outperform the savings deposit interest rate after maturity, so it is recommended that investors should avoid long-term products as much as possible.

Disadvantages: The hidden risk of such products is that the return may not be as good as that of deposits.

Category 2: RMB structured products.

Advantages: It is a wealth management product operated by the bank by purchasing ** portfolios, stock indexes or commodity options, etc., to raise investors' funds as corresponding hedging, most of which prefer linked tickets, and are more concentrated in several large blue chip stocks.

Disadvantages: Although this type of product protects the principal, if the product is terminated early due to the investor's own reasons, the principal guarantee clause no longer applies. Most structured products are 100% principal repaid only after maturity.

Category 3: IPO subscription products.

Advantages: Although the IPO subscription product is a floating income product, and the "breakage" has also caused the IPO product to encounter a "cold snap" for a period of time, the single IPO subscription product launched by many banks has relatively low risk and high principal protection. Whenever there is a new share issuance of such products, the funds will be raised for centralized subscription, and the new shares will be cashed out immediately after listing, and the principal and income will be returned to the investor's account.

Disadvantages: It should be noted that such products have the problem of winning rate, and if the winning rate is low, then the income will be affected.

There are two types of wealth management products: one has a fixed term and can only be withdrawn at maturity; A kind of deposit and withdrawal, similar to the inner balance treasure. Most wealth management products have a fixed term and relatively high returns, if you choose this, you can't withdraw money if you need money halfway; Another product, the income is similar to the bank term, you can deposit and withdraw at any time, the actual year is not as high as the bank fixed interest, if you choose this, you can withdraw the money you need halfway.

Depending on which kind of financial product you are buying, generally the fixed-term wealth management money cannot be withdrawn in advance, and there are also financial management principals that can be terminated early will be discounted to a certain extent, it is recommended that you take a look at the wealth management product agreement or consult the platform customer service.

If you are not sure when your money will be used, you must not buy financial management, which is a good side of high efficiency, but also the disadvantages of not being able to withdraw at any time.