Agricultural Bank of China wealth management project, ABC wealth management is not agricultural bank

ABC has launched different financial management methods according to the needs of different customers.

Or you can consider the first-class business of the Agricultural Bank of China, such as the deposit pass.

Deposit card refers to the customer opening an account through the debit card of our bank, and purchasing the "heirloom treasure" investment product according to the real-time ***** of our bank, and the purchase quantity is credited to the customer's account in real time. Investing** is also a way to preserve the value of your assets. For more information, please click on the link:

Business introduction.

If you want a slightly higher return, you can take a look at the peace of mind. Or the more popular "Thursday I Earn the Most" lately.

Or directly sign up for automatic wealth management business, which refers to the function of regular subscription of open wealth management products of our bank by the customer through a one-time contract with the bank, and the system realizes regular subscription of our bank's open wealth management products in accordance with the agreed cycle and deduction rules.

The wealth management products of the Agricultural Bank of China are 50,000 yuan, and there are two series, Anxin Deli and Ben Li Fung, and the risk is very low.

At a glance at the topic, you will know the landlord layman, first of all, how much money do you have, do you want short-term benefits or long-term returns, how much risk can you take, do you want to concentrate investment or diversify investment... Clear your mind before you consult, don't be tricked by the bank clerk at that time. It's not easy to make money, think twice before spending every penny, and respect your hard work!

Medium-term wealth management introduced by bank staff will also be **? It will also deceive people, and the money will not be taken out, right?

No, there is a difference.

The differences between ABC Wealth Management and ABC Wealth Management are:

1.The entities that issue wealth management are different: ABC Wealth Management is issued by ABC Wealth Management Co., Ltd., which is controlled by Agricultural Bank of China; Agricultural Bank of China Wealth Management is a wealth management product directly issued by Agricultural Bank of China.

2.The nature of the company is different: ABC Wealth Management Co., Ltd. is a wealth management company controlled by the Agricultural Bank of China, and its business scope is also different.

3.Different entry thresholds: Relatively speaking, the entry threshold of ABC Wealth Management is higher, and ABC Wealth Management mainly provides wealth management services for high-net-worth customers and potential customers; The ABC wealth management is for customers.

Extended information: There are many ways for individuals to manage their finances, if you want a simple, stable, and low-risk financial management method, you can choose from these financial management methods:

1.Currency**.

It is an open-ended **, and the investment target is mainly bonds, central bank repurchases, and bills, which are short-term financial varieties with very low risk. It has the characteristics of high liquidity, low risk and stable income. You can subscribe and redeem at any time, with very good convenience, yuan or 1 yuan to invest, the current currency ** yield is about 3%, which is more suitable for individuals who have a demand for capital liquidity.

2.Large certificates of deposit.

Certificates of Deposit (CDs) are bank deposit products, not wealth management products, and are protected by deposit insurance regulations, so they are safe and secure. Large-denomination certificates of deposit can be transferred before maturity, with a term of not less than 7 days, a high investment threshold, and a minimum investment amount of 200,000 yuan, and the amount is an integer. As general deposits, large-denomination certificates of deposit have higher interest rates than fixed deposits of the same maturity, most of which are 45% higher than the benchmark interest rate, and a few banks are 52% higher, while time deposits generally rise up to about 30%.

3.National debt. There are three types of treasury bonds, namely voucher treasury bonds, book-entry treasury bonds and savings treasury bonds, all of which start at 100 yuan, and the current three-year treasury bonds are 4% and five-year treasury bonds.

During the issuance period, investors can purchase certificate-type treasury bonds, and their sale and redemption can be handled through the savings outlets of major banks, the outlets of postal savings departments, and the treasury bond service departments of the financial departments. For the purchase of book-entry treasury bonds, investors must open an account or a special account for treasury bonds on the exchange and entrust an institution to do so.

4.Structured Deposits.

Structured deposits are not ordinary deposits, simply put, this kind of products can be divided into two parts, one part is the same as ordinary deposits, which are used in low-risk and low-yield products to obtain stable income and ensure the relative safety of the product principal; The other part is to invest in high-risk, high-yield products to obtain more returns from the product. The minimum investment amount of structured deposits is 50,000 yuan, the rate of return is floating income, and the rate of return for the 95-day investment period is generally around.

5.Cash management products.

This kind of product is more popular in today's market, because it is a bank product, the security performance is guaranteed accordingly, this kind of product is protected by the bank deposit regulations, if there is a loss, the same bank within 500,000, 100% compensation, so it is very suitable for public investment.

If you want to find high-yield, medium-risk formal wealth management products, you can choose the ABC concentric series of wealth management products, with high annual returns and a term of 720 days. The estimated annual interest rate is: If you are looking for flexible access, you can choose the current financial products of the Agricultural Bank of China.

Current revenues are slightly higher than currency**. In addition, if you want to invest in the short and medium term, you can choose structured wealth management products with a yield of between 3%, and the investment period is flexible, you can choose 1 month, 2 months, 3 months, etc.

1. Current financial management: In the current products, the annual income of ABC wealth management is not low. Take, for example, the hourly wage of ABC.

The minimum holding time is 10,000 yuan, and the annualized rate of return in the last 7 days is. The interest of 10,000 yuan per day is about yuan. Weekdays 0:

From 00 to 15:00, the real-time redemption amount is up to 1 million per day, and 50,000 at other times. It can be redeemed at any time and can be used flexibly.

At present, the income of ABC's wealth management products is higher than that of most currencies in the market**, so investors who need low risk and high liquidity should consider it.

2. Fixed financial management: ABC has many fixed financial products. In addition to the Structured Deposit Series, Smart Series and Ben & Fung Series, other fixed wealth management products of ABC are expected to have an annual return of more than 3%.

Among them, ABC and Tongxin have the highest annualized returns and a longer investment cycle. ABC Wealth Management chooses the value of "ABC Concentric". The benchmark annual performance rate of the seventh-generation RMB wealth management products in 2020 is as follows:

The holding period is 930 days, starting from RMB 100 million, and the risk is moderate. The expected annual income of HSBC Structured Deposit Series is, the expected annual income of Wisdom 30 days and the expected annual income of Ben & Fung 90 days.

3. Structured wealth management: ABC's structured wealth management products are a series of ABC Ruyi portfolio products. Yields are expected to be higher than 3% and lower than.

34 days, 62 days, 90 days, 181 days of products from 10,000 yuan. The investment horizon is generally less than one year, and the risk is low.

4. Foreign currency wealth management: There are only two kinds of foreign currency wealth management products in the mobile banking supermarket of ABC. One of them is Arthur Andersen USD, 181 days, expected to yield from $2,000 or higher**, held for 181 days, medium to low risk.

Another foreign currency product is the 360-day Essence USD, which is expected to yield from $2,000 and has a holding period of 360 days with a medium-low risk. The main difference between the two products is that the holding period is different, and the long-term yield is expected to be higher. ABC's foreign currency financing is applicable to customers with USD demand deposits in their accounts.

If they don't have US dollar deposits, there is no need to opt for foreign currency financing.

5. ABC financing: ABC Wealth Management will open ABC Anxin every month, with a benchmark interest rate of 5,000 yuan in 30 days; In the first phase, ABC increased annual fixed income, with a minimum holding time of 360 days, a performance benchmark interest rate of 4%, and a subscription of 10,000 yuan; This is followed by ABC Concentric Series and ABC Concentric Series, with a relatively high rate of return from 10,000 yuan. The minimum holding period of 180 days for the semi-annual optimal allocation of ABC Communications is above, and the product yields of 720 days, 930 days and 1087 days are expected to be above.

Buying ABC's wealth management products is still reliable, but there are risks

The risk of financial products: investment and risk are relative, financial products are risky, even if the money is deposited in the bank there is a risk of depreciation, so when choosing financial products, you need to combine the inflation degree of the market, but also need to consider the risk treatment of the product itself, if you are afraid of risk, you can consider the bank's financial products, their risk is smaller, but the corresponding return is lower, the annual income is about 4% 6%.

The Anxin Deli series of wealth management products is the first fixed-income wealth management product operated and managed by ABC in the form of asset pools. The product has rich terms, low risk and stable returns, and is an agricultural bank.

The product with the lowest risk level among all types of non-principal-guaranteed wealth management products. The main investment scope is: treasury bonds, policy banks.

Financial bonds, central bank bills, AA+ or above credit bonds and credit bonds granted by the Agricultural Bank of China, trust financing plans for customers directly managed by the head office or first-level branches, interbank deposits, income rights, etc.

The risk of wealth management in the bank mainly depends on the wealth management products, different wealth management products, different returns, different risks:

Bank savings risk level: level 1 yield 4% 6%, in terms of security, no one dares to say the second in the bank, and it is for this reason that the bank savings risk level occupies the first place in many financial products, with the highest security performance, coupled with the guarantee of the state, the money in the bank generally does not have the risk of loss.

Treasury bond risk level: As the name suggests, it is to lend money to the state, China**.

The issuance, guaranteed by the state, has a slightly higher return than the bank, and has a low risk, which is the favorite of the aunts and uncles. In terms of safety performance, unless China ** goes bankrupt - the likelihood is of course extremely low. When the deadline expires, your principal and earnings will be safely returned to your pocket.

Risk level of monetary funds such as baby products: Level 2 Yue Bao.

Cash treasure, small treasury and other currencies**.

Annualized rate of return in the near future.

5% 6%, the income is higher than bank deposits, the characteristics are more flexible and can be withdrawn at any time, and it is popular with young people.

Agricultural Bank of China's wealth management products do not guarantee the principal, because of their unique industry attributes, to ensure the safety and reliability of the products, compared with the expected annualized interest rate of current banks.

The expected annualized rate of return is more popular with financial enthusiasts.

The personal wealth management products of rural commercial banks are divided into three categories, namely: stable, stable and profitable.

1. Robust class.

This type of wealth management product is a non-guaranteed floating income type, and its expected annual rate of return is the highest. This type of wealth management product will use all the collected funds to use the method of entrusted management, and invest all the investment in money market instruments, but it will not include bank cash deposits, negotiable large certificates of deposit, short-term bond repurchases, etc.

Second, the steady win category.

This is a type of capital guaranteed floating income wealth management product, which has the highest expected annualized rate of return. This kind of wealth management product will put all the collected funds into the interbank bond market, including tradable treasury bonds, financial bonds, central bank bills, etc., as well as some credit bonds with relatively high ratings.

3. Abundance.

This is a type of capital guaranteed floating income type wealth management product, and its expected annualized rate of return is the highest. The funds of this type of wealth management products are mainly invested in money market instruments through entrusted management, but they will not include bank cash deposits, negotiable large certificates of deposit, short-term bond repurchases, etc.

Extended Information:1Jiang Liming, director of the Supervision Department of Cooperative Financial Institutions of the China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be restructured into rural commercial banks.

Completely abolish the qualification unit, and encourage eligible rural credit cooperatives to be restructured and established into rural commercial banks. On the premise of maintaining the overall stability of the status of county (city) legal persons, we should steadily promote the reform of provincial associations, and gradually build a new type of relationship between provincial associations and grassroots legal persons with property rights as the link, equity as the link, and regulations as constraints, so as to truly form a community of interests between the provincial associations and the grassroots legal persons. The proportion of qualified shares of rural credit cooperatives nationwide has dropped to less than 30 percent, about 303 rural commercial banks and about 210 rural cooperative banks have been established, and the total assets of rural banking institutions account for the total assets of rural cooperative financial institutions in the country.

2.In addition, 1,424 rural credit cooperatives have met or basically met the conditions for the establishment of rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of the deep-seated system and mechanism.