Various financial "treasure" over the Spring Festival-limited time limit, large cash needs in advance

Known as "cock Silk financial artifact" of a variety of "balance treasure" products in horse during the Spring Festival can be normal access to become a lot of investors recently concern. Beijing Youth Daily Reporter in to Ali, Baidu, Tencent, NetEase and other companies interviewed found that, because of the money fund reasons, all kinds of "treasure" in the Spring Festival is still subject to the quota and time restrictions ...

During the Spring Festival, the fund companies and banks have holiday arrangements, such as the balance of treasure and other types of Internet financial products can be timely access to it? Yesterday, the Beijing Youth Daily reporter to Alibaba, NetEase, Baidu, Tencent, etc. launched the Internet financial products company to interview, found that all kinds of "treasure" is actually a monetary fund, take the current amount and time limit, suggest investors if a large amount of cash during the spring Festival, it is best to take it in advance.

Released spring festival delayed to account tips

Immediate suspension for nearly 4 days

NetEase currently has its own such as Tim Gold, CDB and other Internet wealth management products. Among them, the core products of Tim and CDB are selected from the cash treasure to add rich operation, in addition, CDB also selected Guohua Huarui 3rd.

Yesterday, the reporter logged on the website of NetEase Financial management, the page prompts "for the Spring Festival holiday banking system maintenance, from January 30 to February 6, financial product extraction may be delayed to account, please do well in advance funds arrangements."

During the Spring Festival cash treasure extract to the account schedule shows that if you want to withdraw cash before 15 o'clock on January 29 and 15 o'clock after February 6, it is estimated that 3-5 minutes to the account, not affected by the Spring festival holiday; If you want to be on January 29 15 o'clock to January 30 15:30, February 2 19 o'clock to February 6 15 o'clock It is also expected to be accounted for within 3-5 minutes, but if the total extraction amount exceeds the system limit, it will be prompted to be accounted for on February 7 and February 10 respectively.

Investors need to be aware that if you want to withdraw cash from January 30 to 19 o'clock from 15:30 to February 2, the account is expected to be available on February 10, because system maintenance does not support 3-5 minutes to the account.

NetEase's related personnel explained that, the investor takes the present, will be affected by the day sinks adds the rich capital pool, if the present person is quite many, may have the situation which the present time delays.

Subsequently, the reporter dialed the Fund after the sale of the telephone, in the automatic broadcast of the telephone to remind "January 30 from 15:30 P.M. to February 2 night 7 o'clock, credit card repayment and quick take now suspended." In this respect, after the sale personnel told the North Green newspaper Reporter: "to February 2 after 7 o'clock quickly take now can return to normal, a single pen take now has no limit, daily cumulative take 5, the total amount is 5 million yuan." ”

Mobile phone is more convenient to the end

150,000 dollars is best taken out before 29th

How do you plan the funds for shopping online or extracting cash during the Spring Festival? Balance treasure staff said that from January 30 to February 6 balance treasure Funds can be used for online shopping or access. According to the daily rules of the balance treasure, if the need for large cash expenditure, users can pay the wallet through the mobile phone 50,000 yuan per day (including), two hours to the account. If you choose the next day to the account, then each can be mentioned 50,000 yuan (including), one day can be mentioned 3, the equivalent of 150,000 yuan can do the next day to the account.

If the need for a larger amount of cash, a single sum of more than 50,000 yuan, as involved with the bank liquidation, need to be in the second business day to account, considering the Spring festival holiday is relatively long, the corresponding operation needs to be handled on February 7.

Alipay related people reminded that consumers have more than 50,000 yuan in large demand, can be split up in the holiday, if the amount of more than 150,000, preferably on January 29 (including) ahead of schedule, so that 30th can be accounted for.

Balance Treasure products are Alipay and Tianhong Fund jointly launched the product, that is, Tianhong fund's increased profits. Yesterday, the reporter consulted Tianhong Fund after the sale of the telephone, staff said that the mobile phone end to take the existing with the computer end of a certain difference, the computer end of a single day to the card accumulated 50,000 yuan below, but also to the next day to the account. Therefore, the mobile phone is more timely and convenient.

There are no special arrangements for the Spring festival

Fast track 20 minutes to account

Baidu's Internet wealth management products have been enthusiastically sought after by investors for their higher yields. Yesterday, the North Green newspaper reporter also dialed the Baidu financial after-sale telephone, hundred earn and the core product of Baidu financing B from the Chinese cash to increase the profit of Money E, arbitrage version and hundred core products selected from the Ka real demand treasure.

Huaxia Fund after the sale of personnel said, "hundred earn and Baidu Wealth Management B during the Spring Festival to take Baidu's caliber," Jia Real fund, said that the arbitrage version of "Quick Take now" is not affected by the holiday. The last day of the 22nd operation, 23rd 4 o'clock in the afternoon has begun to transfer funds to the customer's bank card.

Baidu financial service personnel said that there is no special arrangements for the Spring Festival notice. Under normal circumstances, hundred earn and Baidu to take the existing one "fast channel", the fastest can reach 20 minutes to account. A single day of the highest transfer to the card 50,000 yuan, the maximum can be taken 5 times daily, the maximum number of cards transferred to the card is 200,000 yuan. "Investors need to be reminded that there is a penny left in the account that will not be able to make a quick mention." In addition, if the present investors too much, the total amount of funds to withdraw more than the day of the capital pool of Huaxia fund, then the rapid access may be converted to ordinary access, the date will be postponed. However, there is little likelihood of this happening. ”

The sales staff also pointed out that with a slightly different profit, arbitrage version of a single day to the card is 250,000 yuan, a maximum of 5 times daily, the sum of No limit.

No official notice has been issued

Time to account varies by bank

In a variety of "treasure" in the highest yield is the micro-credit management pass. Finance through the first access to the Huaxia fund, Hui-fu Fund, YIFANGDA Fund, GF Fund Four fund companies, the current user can buy is the Treasure Treasure Money Fund products, the other three fund company's products have been in the butt debugging, commissioning completed, will appear in the Financial management platform.

Yesterday, the Chinese fund after the sale of staff told reporters: "Financial management in the Spring Festival during the mention of micro-letter notification is subject to." "Then, the reporter interviewed the micro-letter customer service staff," there is no official notice, ask investors at any time to pay attention to micro-credit payment assistants.

Tencent related officials said that the current micro-credit finance through the combination of financial products for the Monetary Fund. If users do not want to hold, at any time can be redeemed, to account time due to the cooperation of the bank differences, the fastest two hours to the account. Under normal circumstances, financial management through a single time out of the limit of 50,000 yuan, can be taken out 5 times a day.

29th, before 15 o'clock into the "treasure" the most cost-effective

About when the money into the most cost-effective, the reporter from the balance treasure official learned that the balance treasure to support any time of the transfer application, but need to remind investors that the day before 3 o'clock in the afternoon submitted to the application, the proceeds from the next trading date, after 3 o'clock in the afternoon transfer application, to T + 2 trading days before the proceeds are obtained; Similarly, for the transfer of funds for the balance of treasure, the proceeds from the day (including Natural day) do not enjoy the calculation point is limited to 24 daily, rather than the traditional money fund 3 o'clock in the afternoon.

Therefore, investors who want to enjoy the benefits of the Spring Festival holiday must be transferred before 3 o'clock in the afternoon on January 29. If you turn in later, the proceeds will be calculated on February 7.

In the way of income calculation, the balance treasure uses the daily interest rate, the daily carry-over fund share, in fact, the investors get is the fund income by compound interest, more intuitive than the traditional monthly carry-over fund share of the Money fund income.

With NetEase's Tim Gold, the Bank of Canada to add money to the exchange of cash treasure after the sale of the telephone also prompted investors, January 29 before 3 o'clock in the afternoon can enjoy the Spring Festival holiday income. and micro-credit management, Baidu Financial cooperation Huaxia Fund, its after-sales staff also expressed a similar view.