What is ABC Quick e Bao? Is ABC Quick e Bao safe? Analyze it from three aspects

ABC Express e-Treasure is a currency wealth management service provided by Agricultural Bank of China in cooperation with the company, and the funds are transferred to "ABC Express e-Treasure (ABC Dividend Daily Settlement)", which is actually the purchase of the currency ** "ABC Dividend Daily Settlement" provided by ABC Huili.

From May 27, 2016, the personal online banking "Kuaiyibao" was renamed as "ABC Kuaiyibao", and the contracted product was changed to "ABC Dividend Daily Settlement A (000907)". The new product supports real-time redemption of t 0, daily settlement of expected annualized returns, and supports automatic balance transfer-in, linked credit card and personal loan transfer-out. After the product is upgraded, it will not affect the original "Kuaiyibao" customer inquiry and termination operations, but it will no longer support the signing of "ABC Currency A (600007)".

The original "Kuaiyibao" customers need to terminate the old product before they can sign the new product of "ABC Kuaiebao". <>

ABC Express e-Treasure is the currency of ABC Securities**.

The business is operated by the Agricultural Bank of China.

A wealth management business handled by yourself. Generally speaking, the risk of ABC Quick e-Bao is very small, and it is a bank wealth management product.

one. In addition, bank wealth management products are risky, which is reflected in low or no returns, as well as the loss of principal. However, the risks of different types of bank wealth management products are different, with guaranteed income wealth management products having the lowest risk, followed by principal-guaranteed floating income wealth management products, and non-principal-guaranteed floating income wealth management products having the highest risk.

Currency wealth management business refers to the use of funds exceeding the minimum retained amount in the designated account of the contracted customer to subscribe for the designated currency** (automatic subscription) on each **trading day.

At the same time, the currency** held by the customer will be redeemed at the agreed time and amount, which will be used to supplement the minimum retention amount of the designated account or repay personal loans (automatic redemption) such as credit card arrears and housing mortgages.

ABC Quick e-Bao is a baby wealth management product of Agricultural Bank of China, which supports deposit and withdrawal at any time, and the user group is mostly ABC card holders. So is ABC Quick e-Bao safe? Today, let's analyze it from three aspects.

Safety analysis 1: product nature

ABC Kuaibao is a baby financial product similar to Yu'e Bao, and they are all connected to currency**. ABC Express e-Bao is connected to ABC dividend daily currency A** (000907). The risk rating of the currency is low risk, the probability of investment loss is much less than that of the **type**, and the security is relatively high.

Taking Yu'e Bao as a reference, the investment security of ABC Kuaiebao is comparable to it. If you can rest assured that you can invest in Yu'e Bao, there should be no problem in investing in ABC Kuai-e-Bao.

Safety Analysis 2: Investment Direction

As a currency**, the main investment varieties of ABC Kuaiebao are: bank fixed deposits, large-amount certificates of deposit, short-term bonds, short-term bond repurchases, short-term central bank bills and other liquid money market instruments within one year. These investment varieties generally have low risk, and the expected return obtained from long-term investment is relatively stable, so the safety of investing in ABC Kuaiebao is also relatively high.

Safety Analysis 3: Historical Performance

According to the data (October 10), ABC Express E Bao docking ABC dividend daily currency A (000907)** in the past 7 days annualized expected return of 10,000 expected returns for the ** was established at the end of 2014, in the 3 years of operation history, ABC dividend daily currency A seven-day annualized expected rate of return fluctuated in the range. Although the expected rate of return of ABC dividends fluctuates greatly, it has not incurred losses, and the safety of investors' principal is guaranteed.

Summary:Judging from the analysis of the above three aspects, the security of ABC Kuaiebao is relatively high, which is suitable for low-risk enthusiasts to buy, and more product details can be viewed on the ABC mobile banking app.

Yu'e Bao is a product of Alipay's financial sector, and there are more users who know about it, and ABC Kuaiebao is one of the five major banks, Agricultural Bank of China's low-risk financial management**, so which is better than ABC Kuaibao eBao and Yu'e Bao?

How to calculate the expected annualized expected return of ABC Kuaibao? What is ABC Quick e-Bao?

ABC Credit Settlement Dividend Daily Settlement Currency A(000907):

**Type: Currency|Low risk **Scale: 100 million yuan(2016-09-30) **Manager: Xu Ya.

Date of Establishment: 2014-12-19 Manager: ABC Credit & Investment Managers**.

Expected Annualized Expected Earnings Status:

ABC Credit Settlement Dividend Daily Settlement Currency B (000908):

**Type: Currency|Low risk **Scale: 100 million yuan(2016-09-30) **Manager: Xu Ya.

Date of Establishment: 2014-12-19 Manager: ABC Credit & Investment Managers**.

Expected Annualized Expected Earnings Status:

Tianhong Yue Bao Currency (000198):

**Type: Currency **Scale: 100 million yuan(2016-09-30) **Manager: Wang Dengfeng.

Date of Establishment:2013-05-29 Manager: Tianhong**.

Expected Annualized Expected Earnings Status:

ABC Kuaibao and Yue Bao are both money markets, which are low-risk varieties in investment, and the expected risk and historical expected annualized expected return are lower than those of **type**, hybrid** and bond**. Through comparison, it can be seen that the expected annualized expected return of ABC Kuai-ebao is in a fluctuating state, maintaining in the range of 10,000 expected annualized expected returns, while the expected annualized expected return of Yu'e Bao shows a steady growth trend, and both products are suitable for any investor and can be selected according to personal preferences.

The differences are as follows: 1. Hourly payment can be withdrawn at any time without limit, 2. Kuaiebao can only implement cash withdrawal of 10,000 yuan in a single day, and those who exceed it can only apply for withdrawal and non-fast redemption.

3. "ABC Quick e-Treasure" is the currency ** wealth management service provided by Agricultural Bank of China and ** company in cooperation with the company, and the funds are transferred to "ABC Quick e-Bao (ABC Dividend Daily Settlement)", which is actually the purchase of the currency ** "ABC Dividend Daily Settlement" provided by ABC Huili** management.

4. The product sales object of the hourly payment: unspecified public (individual ordinary customers), performance comparison basis (annualized value after deducting various expenses): the performance comparison benchmark does not constitute a revenue commitment.

Agricultural Bank of China has the right to make adjustments according to market changes and investment operations. For details of the information disclosure method, please refer to the "Information Disclosure" section of this product manual. ）

ABC Express e-Treasure is a currency ** financial service provided by Agricultural Bank of China and ** company in cooperation with the company, and everyone transfers money to ABC Quick e-Bao, which is equivalent to buying a currency ** product named ABC Dividend Daily Settlement Currency A. So, is ABC Kuaibao principal-protected? Whether this product is capital preservation should be analyzed from the essence of currency.

ABC Quick e-Bao is a non-principal-protected product

ABC Express e-Treasure is connected to currency products, and currency-first products are non-principal-protected wealth management products, so we can follow ABC Express e-Treasure is not principal-protected. However, not protecting the principal does not mean that the principal will be lost, and the ABC dividend daily settlement currency A has suffered losses since its establishment, and its performance in terms of expected returns is relatively stable, so the possibility of losing money is very small.

Floating expected returns don't necessarily have to be at a loss

ABC Kuaiebao is also floating in terms of expected returns, and does not promise to guarantee the minimum expected returns. In this way, one might understand that the expected return is completely unguaranteed. The investment direction of currency products is strictly regulated, such as bank deposits, treasury bonds, such as high security, stable expected returns, is the main investment direction of currency **, so that unless there is a problem with the investment project, the expected return is actually quite guaranteed.

Conclusion:

Although ABC Kuaiebao does not protect the principal, the possibility of loss is very low.

At the same time, as a bank currency ** product, the expected return of ABC dividend daily settlement currency A will definitely not be too bad. Currency** is a mainstream investment and wealth management product, in addition to a slight decrease in expected returns, its advantages are still more obvious.

All in all, as a non-guaranteed floating expected return wealth management product, the risk of ABC Kuaiebao is still relatively low.