RMB wealth management product of Daily WLB: With detailed analysis to prudent clients pursuing steady returns, IB launched the first low-risk wealth management products in the industry, which combines liquidity and high profitability in addition to guarantee the safety of principal. The product mainly invests high liquidated national debts, central bank bills, financial bonds and short-term financing bonds, institutional savings of our bank and other domestic and foreign commercial banks, and enterprises bonds and notes backed by credit of national commercial banks which meet our banks' requirements on authorization and credit extension.
As IB's individual RMB wealth management brand, Daily WLB is offered at our counters on every Tuesday through the year. The most significant feature of this product line is its ongoing sale. Breaking away with the restricted sale period and limit for a conventional wealth management product released by a bank, it provides wealth management products available to investors each day.
Depending on market situations, Daily WLB launches wealth management products of different term structure from time to time, including 1 month, 2 month, 3 month, 4 month, 5-6 month and 1 year.
Why invest Daily WLB?
Known for high safety, more returns than savings and strong liquidity, Daily WLB is customized for prudent clients pursuing steady returns.
1. Targeting at low risk financial assets, Daily WLB conducts capital operation for clients with professional investment skills to earn stable returns.
2. Since the first issue in Sept. 2006, Daily WLB has acquired sound feedback in national RMB wealth management market with a distinguish brand image of "safe, reliable, cash on time and leading RoI."
Main Investment Direction
The product mainly invests high liquidated national debts, central bank bills, financial bonds and short-term financing bonds, institutional savings of our bank and other domestic and foreign commercial banks, and enterprises bonds and notes backed by credit of national commercial banks which meet our banks' requirements on authorization and credit extension.
1. Individual clients will have to open an IB card or passbook for RMB settlement account before entrusting our bank for wealth management;
2. Clients may receive information about wealth management products at our bank's various outlets or from individual account managers;
3. If a client intends to buy a product, he/she may conduct relevant formalities at counters of our outlets and sign RMB Wealth Management Agreement between Individual Clients and IB. Once signed, the wealth management contract becomes effective;
4. From the value date, our bank will transfer capital from settlement account into wealth account for capital operation. During the operation, our bank will publish information about product operation on website and at counters of outlets according to the wealth management agreement.
5. Upon mature of operation, our bank will, after deducting management fees and other charges, transfer returns of investment and the principal into RMB settlement account designated by clients in the agreement.
Currency: RMB; Amount: 50,000 Yuan
Investment Term: Half year Expected ROI: annualized rate of 5%;
When investment terminates, investors will receive principal and returns: 50,000 Yuan×(1+5%/2)=51,250 Yuan.
Quick analysis: the product has a industry leading ROI higher than saving interest rate.
Daily WLB products are low risk wealth management products, and the ROI varies subject to different term and investment products. Investors should understand risks and voluntarily assume related risks and legal consequences of transaction.
The above-mentioned products introduction and example may change according to market situation, and the price of product is for reference only. IB may design product mode according to investors' needs, subject to wealth management agreement and product manuals.TOP