Wealth management is open once a month, how to calculate interest if I don t redeem it?

Many people have bought bank wealth management products that have not yet expired, but they are in a hurry to use the money. In order to deal with this problem, many banks have launched wealth management product transfer services, allowing the transferor to set their own prices, and if someone "takes over", the transferor can get the funds back early. So, how is the interest calculated after the transfer of wealth management products?

Huashang Yixin Investment Company attaches great importance to the control of risks, especially in the diversification of risks. Investment firms have 60 business units that provide the right products for the various financial needs that may arise during the life of their clients, thereby diversifying the risk of the business and making it less susceptible to economic cycles. The diversification of risks is also the main reason why investment company groups have avoided the financial turmoil.

As a "veteran" figure in the financial management platform industry, Huashang Yixin adheres to the core of creating investor value and strives for long-term trust, which has won a good reputation among users.

How to calculate interest on the transfer of wealth management products?

Taking China CITIC Bank as an example, users who hold the expected expected return wealth management products of China CITIC Bank can place orders through mobile banking, Shanghai Bank and other channels to transfer wealth management products, and wait for other China CITIC Bank wealth management users to take over. China CITIC Bank will provide a reference value for each transfer product, and the transferor can set the transfer price between this reference value and the principal.

As far as the investors who take over the bank wealth management transfer products are concerned, the expected income obtained by buying the bank wealth management transfer products must be higher than that of ordinary bank wealth management. For example, Jun wants to get back the funds early and transfer the bank wealth management pending order he bought for 50,000 yuan. The expected rate of return of this bank wealth management is assumed that the capital contribution period is 1 year, and when you want to transfer it, you have held it for 1 month.

Then the current reference value of this bank wealth management = principal + interest at the time of holding. The holding time profit is 50,000*. That is to say, this bank wealth management is now transferred, and the most important value is yuan.

In general, the transferor will transfer at a discount to speed up the transaction. Assuming that the transfer ** set by Jun is 50,100 yuan, then the investor who takes over the transfer product is equivalent to earning more yuan. However, the interest calculation rules of bank wealth management products have not changed before transfer.

Summary: After the transfer of bank products, the interest calculation rules are the same as those of the original bank wealth management, and the transferee earns a part of the interest more than the original. This part of the interest is paid by the transferor in order to close the transaction as soon as possible and transfer it at a discount.

I think so, if you don't redeem when it expires, it will automatically roll into the next cycle to continue depositing, continue to have interest, the principal is still the original, the interest will continue to accumulate, and the longer the interest, if you need to redeem, you must operate in advance, the system will default, the due principal and interest will be on your account, I have bought it before, just for reference thank you!

Will the interest be settled on the open day of the annual opening of RMB wealth management products? Analyze the opening day of each column of open RMB wealth management products is not enough for your settlement interest.

The period of financial management is 7 days, and there is not much income for redemption after the expiration of the empty book. Fixed-term wealth management is calculated on an annualized basis. Only when a wealth management product is held for 1 year will it reach or approach the annualized rate of return of the wealth management product.

It is recommended that after the expiration of the 7-day wealth management cycle, the wealth management period should be renewed to continue to hold.