Fund--Intelligent fixed investment

Smart Set-up

Intelligent investment is a regular non-quota of the fund, that is, during a certain period of investment, investors in accordance with the agreed date each month, according to the trend of the stock market index to invest in the same fund products in an irregular amount, to achieve the fund investment time and amount of control.

Product Features

In addition to the general fixed investment has the advantages of compulsory savings, diversification of risk, and so on, smart investment also has the following advantages:

1, lower cost. Smart set-up automatically reduce the amount of deduction when the market is up, and increase the investment amount when the market falls, which is advantageous to the average cost lower than the general fixed investment.

2, more flexible investment. Smart Set-up provides a variety of reference indices, linked to the subject and the degree of deviation for customers to choose, can freely construct a variety of investment solutions, so that investment more flexible and free.

3, more worry, time-saving. Intelligent investment, depending on the market situation of automatic increase or decrease in investment, customers do not have to spend a lot of time and effort to track the market, can realize intelligent investments.

noun explanation

　　Reference Index: to determine the monthly investment amount of reference to the capital market index, the Agricultural Bank of China Intelligent Fixed Investment provides reference index including CSI 300, 500, Shanghai Composite, Shen exponentially.

　　Hook target: for different reference indices, the customer selects the index's 90 daily average, 180 daily average, 250 daily average or index P/E as the benchmark for the fund's smart fixed deduction amount.

　　index P/E: refers to the total market value of an index's constituent shares (excluding losses) divided by the total net profit.

　　exponential average: an exponential averaging method that reflects the average cost change in the market over time.

　　Standard Investment: refers to the value of the reference index when the linked subject does not exceed its set degree of deviation. The minimum starting value of the standard investment is RMB 1000 and the difference is 100 yuan.

　　High level of investment: refers to the amount of the investment when the deviation of the index-linked subject is negative to exceed the deviation of its set degree. The high level of investment should be greater than the standard investment , the highest level of investment is 10 times times the standard investment, a differential of 100 yuan.

　　Low level investment: refers to the amount of investment when the deviation of the underlying of the reference index is greater than the deviation of its set. low investment should be less than the standard investment , the lower limit of 500 yuan, a differential of 100 yuan.

Business Example

The deduction amount algorithm for the index moving average of the hook:

Customers choose 2nd for the Smart fixed investment day, low investment, standard investment and high level of investment of 1000 yuan, 2000 yuan and 3000 yuan, linked to the CSI 300 index of 90 daily average line , deviation degree 5%.

According to the market situation of 1st, the investment amount is as follows:

(1) Assuming that the 1st Shanghai and Shenzhen 300 close price is 2,500 points, 90 average day line value is 2,800 points, then the deviation = (2500-2800)/2800=-10.7%<-5%, indicating that the market fell more than the agreed level, the month of the fixed investment amount of a high level of 3000 yuan.

(2) Assuming that the 1st Shanghai and Shenzhen 300 close price is 3,000 points, 90 average day line value is 2,800 points, then the deviation degree = (3000-2800)/2800=7.1%>5%, indicating that the market rose above the agreed level, the current month to set the amount of a low investment amount of 1000 yuan.

(3) Assuming that the 1st Shanghai and Shenzhen 300 close price is 2,900 points, 90 average day line value is 2,800 points, then the deviation = (2900-2800)/2800=3.6%,-5%<3.6%<5%, indicating that the market is rising, but not more than 5% of the deviation, The fixed investment in the current month is a standard investment of 2000 yuan.

(4) Assuming that the 1st Shanghai and Shenzhen 300 close price is 2,700 points, 90 average day line value is 2,800 points, then the deviation = (2700-2800)/2800=-3.6%,-5%<-3.6%<5%, indicating that the market is down, but not more than 5% deviation degrees, The fixed investment in the current month is a standard investment of 2000 yuan.

The deduction amount algorithm for the price-to-price ratio of the underlying:

Customers choose 2nd for the Smart fixed investment day, low investment, standard investment and high level of investment of 1000 yuan, 2000 yuan and 3000 yuan, linked to the CSI 300 P/E, deviation of 10%. If the contract date is 30 times times a day, according to the market situation of 1st, the investment amount is as follows:

(1) Assuming that the 1st Shanghai and Shenzhen 300 P/E ratio is 20 times times, then the deviation = (20-30)/30=-33.3%<-10%, indicating that the market fell more than the agreed level, the month of the fixed investment amount of a high level of 3000 yuan.

(2) Assuming 1st the Shanghai and Shenzhen 300 P/E ratio is 40 times times, 90 average day line value is 2,800 points, then the deviation = (40-30)/30=33.3%>10%, indicating that the market rose above the agreed level, the month fixed investment amount is a low amount of 1000 yuan.

(3) Assuming 1st the Shanghai and Shenzhen 300 P/E ratio is 32 times times, then the deviation degree = (32-30)/30=6.7%,-10%<6.7%<10%, indicating that although the market is up, but not more than 10% of the deviation, the monthly fixed investment amount is the standard investment of 2000 yuan.

(4) Assuming that the 1st Shanghai and Shenzhen 300 close price is 28 times times, then the deviation = (28-30)/30=-6.7%,-10%<-6.7%<10%, indicating that although the market is down, but not more than 10% of the deviation, the current month to set the amount of investment is a standard of 2000 yuan.

Precautions

1, for the same fund, the general and intelligent fixed investment can only choose one of them. For specific funds, if the general fixed investment has been opened, it should first terminate or select other funds for the smart fixed investment.

2, after the termination of ordinary fixed investment, can apply for the same fund of the smart fixed investment.
If the fund for the application of smart fixed investment has not been deducted from ordinary fixed investment in the current month, the smart fixed investment will take effect in the current month and can be deducted from the current month. If the general fixed investment deduction, then the smart fixed investment next month effective.

3, after the end of the smart fixed investment, can apply for the same fund of ordinary fixed investment.
If the application for general investment in the fund is not in the current month because of the smart fixed investment deduction, then the ordinary fixed investment in force in the current month, and can be achieved in the month of deduction; If the smart fixed investment deduction, then the ordinary fixed investment next month effective.

4, at present, the intelligent fixed investment only to handle the cabinet, online banking line time to our website notice to prevail.

5, can not repeat the same fund to apply for smart investment, such as the selected funds have already opened smart fixed, please select other fund product application.

6, the intelligent investment commissioned by the date of the month from 1st to 25th, the Commission of the purchase date of non-fund open day postponed, the purchase date is not cross-month. Due to insufficient funds balance in the client's account, the system will not be successful for 3 consecutive fund open days, and the system shall record the customer's default once in the month. Customer default three consecutive times, the system will automatically terminate the Fund's intelligent investment business.

7, in the agreed on the Intelligent Investment Day, if the fund is in a closed period, the system daily continuous deduction, until successful and do not remember the customer default.

Fund--Intelligent fixed investment