1. Poly Yisheng Gold has the following highlights:
1, Highlight 1: The purchase and redemption dates are more frequent! You can buy it every week, and it is open every week all year round, making it more convenient for you to buy.
2. Highlight 2: The product closure period is more fixed. The term of Duoshengjin series is divided into 30 days, 60 days, 90 days, 65438 days +080 days and 360 days. The closed period corresponds to the product code one by one, which is convenient for you to remember and arrange your financial plan flexibly.
3. Highlight 3: Performance benchmark is not the highest income! Different from increasing profits of sunflowers, Poly Jin Yisheng series is a net-worth wealth management product, and its daily net value may fluctuate. The actual performance at the final maturity is equal to the arithmetic average of the daily net value. In other words, the final actual rate of return that customers get due may be higher than the performance benchmark!
Second, for example:
1. Suppose Mr. Wang applied for 50,000 copies of the 30-day A financial plan of China Merchants Bank Juyisheng Gold on February 28th. The starting date of the plan value is March 1 and the holding period is 30 days. The benchmark of initial product performance is 3.0%.
2. If the annualized rate of return of Poly Jin Yisheng's 30-day A financial plan is 3.5% according to the daily valuation when the product expires on March 30th, the actual annualized rate of return obtained by customers is = 3.0%+(3.5%-3.0%) × 20% = 3.10%, which is 3.0% higher than the annualized performance benchmark and customers can share it.
3. In addition, like increasing the profit of sunflower, the subscription rate of Juyishengjin series financial management is low, and there is no subscription/subscription fee. Moreover, the risk ratings are all stable (R2), indicating that the overall risk of the product is low and the investment style is relatively stable. Strictly control market risk management, credit risk management and liquidity risk management. To maximize the interests of customers under controllable risks.