Bank of Communications Bo Xiang Xinrong Rikai 1 wealth management product has the highest income, with a performance benchmark as high as 4.20%, and the rate of return is still good, but it also has a disadvantage, that is, the product term is 365 days, that is to say, it can not be taken out until it expires, which is somewhat similar to bank time deposits. Bank of Communications Finance Bo Xiang Xinrong Rikai 1No. This wealth management product belongs to 3R balance type and net value type, and belongs to non-guaranteed floating income. Your principal is not guaranteed and fluctuates every day. In addition, the advantage of Bank of Communications Bo Xiang Xinrong Rikai 1 is that it can be purchased at 1 yuan, and subscription and redemption are free. The subscription rule of Bo Xiang Xinrong Rikai 1 of Bank of Communications Finance is that the subscription can be made from 00: 00 to 23: 59 every day. The subscription rate from 0 yuan is 0,65438+,and the minimum holding amount is 0.50 yuan. Finally, everyone is most concerned about dividends, that is, cash dividends. When calculating the income, the formula is expected income =Z (net value of redemption application date). In addition, the redemption will be received before 16:00 working day and T+2 working days; Otherwise it will be postponed to the next working day.

1. According to the statistics of BOC Data Center, the word "financial management" first appeared in the early and late 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities. When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. It contains the following meanings: ① Financial management is a lifetime wealth, not just to solve the problem of urgent need of money. 2 Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money. ③ Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).

Two, at present, banks and securities companies need to open corresponding financial accounts. Generally speaking, wealth management accounts opened through banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase government bonds through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters. The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day. The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

The third is wealth management products, which are designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into relevant financial markets according to product contracts and purchased, and then distributed to investors according to the contract. In the latest report of the central bank, Lirong.com Data Research Center, a P2P wealth management platform, found that the total savings of the national residents was about 43 trillion yuan, and the per capita income was 30,000 yuan. The median deposit of 30,000 yuan per capita is estimated to be very difficult for 60% people in China, but for an ordinary family, several people still have 30,000 yuan in deposit.