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"Zhongyinjifu" Wealth Management Plan


 

Name

"Zhongyinjifu" Wealth Management Plan

Introduction

"Zhongyinjifu wealth management plan", the series of RMB financial products launched by the Bank of China, mainly invests in high-quality trust financing projects, high credit rating bonds in inter-bank bond markets and other financial instruments, wealth management plan, bank deposits, acceptance drafts and other financial products. Much more flexible term choices, and through many effective investment portfolios to guarantee steady and reliable returns for investors.

Features

1. High investment return

The expected investment return rate for the product of each duration is much higher than the deposit interest rate of the corresponding period.

2. All kinds of terms

1 day ( Daily Wealth ), 7 days ( Weekly Wealth ), 14 days ( Biweekly Wealth ), 1 month ( Monthly Wealth ), 2 months ( Bimonthly wealth ), 3 months ( Quarterly wealth ) ... multiple term options. The terms of product may be different according to the specific issuing and selling areas, for details please consult your local operating offices of Bank of China.

3. Professionally management, sound investment

Investment operated by the Bank of China professional team, and the trust financing projects invested by the wealth management plan are all high-quality asset projects that are rated strictly by the Bank of China, part of the funds invested in bank deposits, peer deposits, government bonds, financial bonds, central votes,  monetary market funds, high credit rating corporate bonds, corporate debts, short-term financing bills, mid-term bills and other high safety financial instruments.

4. Internet banking investment, easy to buy

Support buying through Internet banking, you can easily manage wealth without going out.

5. No handling fees, low investment costs

No subscription, purchase, redemption and other handling fees, investors can enjoy whole financial gains.

Target Customers

Individual investors, institutional investors

Investment Currency Type

RMB

Financial Share Face Value

RMB 1

Threshold Amount

RMB 50,000 for individual investors, with  RMB 1,000 progression; RMB 500,000 for institutional investors, with RMB 10,000 progression.

Transaction Process

Handle according to the regulations of product instructions for each term.

Issuing Date

For details, please contact your local operating offices of the Bank of China.

Case

Take the "Daily Wealth" products as an example; assume that the product annual yield rate is 1.65%.

Mr. Wang having worked in a law firm for 3 years, and there are RMB 200,000 in his current deposit of the bank account. Calculated with the current interest, the total current interest for his one-year current deposits is up to:

200,000*0.36% = RMB 720

If Mr.Wang purchased RMB 200,000 of "Daily Wealth" products, whose annualized yield is 1.65% (assume that the return rate has not changed in a year), then his one-year investment return equals to 200,000*1.65% = 3300.

Comparing the two, the using efficiency of the funds is as 3300/720 = 4.58 times as the original one, with more aggregate income 3300-720 = RMB 2580 a year.

Note: The data used in the above case are virtual, which do not represent the income actually earned by the investor. Each term product yield rate (annual rate) will change slightly due to market fluctuations.

Risk Disclosure

This product is the bank financial products with non-guaranteed floating earnings, and with investment risk, choice must be careful. The product introduction is just for reference and does not constitute any investment advice or implication, the details based on the product instructions of each term. Bank of China reserved the right of final explanation.

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