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The arrival date of most bank wealth management products is 1 3 working days after the product expires, but there are also longer days, such as 5 working days. At present, different banks have different regulations on the date of receipt. Even in the same bank, due to the different nature of products, the arrival date is different. You can call the bank to ask.

Maturity date and arrival date are two important time points of wealth management products. The maturity date is the closing date of the investment period of wealth management products, and the arrival date refers to the date when the principal and income of wealth management products are paid to the investor's account after maturity. Many investors mistakenly believe that the maturity date of the product is the date when the principal and interest arrive. In fact, most of these two time points are not consistent.

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Many so-called high-yield wealth management products, especially short-term wealth management products, actually have very low returns. Therefore, investors should pay attention when purchasing wealth management products, even if the yield of wealth management products of different banks is the same, the actual income will be different because of different redemption periods.

According to the regulations, during the redemption period from the expiration of the product to the receipt of the principal and interest, no interest will be charged on the financial principal. The same sum of RMB 6,543,800+is invested for 3 months, and the expected annualized rate of return is 5%. The principal and interest are paid directly at maturity, and the actual rate of return is 1.25%, that is, 90-day income 1250 yuan.

If the principal and interest arrive at the account two days later than the maturity date, although the income is also 1.250 yuan, the actual financial management days of the customer become 92 days, and the annualized rate of return is only 4.89%, and the actual rate of return is only 1.22%, which is 0.03 percentage points lower than that of the direct receipt on the same day.

People's Network-Be careful. After the financial management expires, delay the arrival of banks to make money through "time difference"