First of all, the launch time
Industrial and Commercial Bank of China: 2009
Gold in Admiralty, Henan: June 20 10
Agricultural Bank: 20111/month.
China Guangfa Bank: 2065438+February 2002
Bank of Communications: 20 12
Second, the handling fee
At present, ABC said that its "deposit fund" does not charge fees. Admiralty Gold's "Gold Fixed Investment" also does not charge a handling fee. In contrast, when ICBC starts the "accumulated fund" business, it charges a handling fee of 0.5% of the transaction amount when buying, and a handling fee of 1.5% when converting cash or withdrawing physical funds. Bank of Communications charges the same as ICBC. The fixed investment fee of Guangfa Bank is slightly lower, with the rate of 0.5% at the time of purchase and 1% at the time of cashing or withdrawing real money and silver.
Third, the target and charge of fixed investment.
Agricultural Bank of China, Bank of Communications and Industrial and Commercial Bank of China all take their own brand gold bars as the subject matter. ICBC's "accumulated gold" is its "wishful gold", Agricultural Bank's "handed down treasure" and Bank of Communications's "Wodejin". Prove that the pricing mechanism is not completely transparent, but we need to follow their quotation. The subject matter of Guangfa Bank is the standard gold bar pricing of Shanghai Gold Exchange, which is lower than the first two. But there is also a charge of 0.5%. The subject matter of Admiralty Gold is AU9999 of Shanghai Gold Exchange, which is the lowest price. But there is no price increase in the middle, and the daily closing price is the direct price. The price execution standard is the closing price every afternoon, which is also completely transparent. The gold bars of Agricultural Bank and Industrial and Commercial Bank of China are higher than those of the latter two 10- 15 yuan.
Fourth, the investment threshold.
As an ordinary investor, the biggest charm of fixed investment in gold is that it can not only increase value and preserve value, but also extract physical gold from a lot, so its low threshold is also the key to attract investors.
China guangfa bank: 100 yuan or1g.
Admiralty gold: minimum 100 yuan, unlimited grams.
ICBC: 200 yuan or1g.
Agricultural Bank of China: at least 1 g initial investment.
Bank of Communications: 200 yuan or1g.
Fifth, extract physical objects.
Admiralty gold can be extracted from physical gold bars, and the minimum specification of 20 grams can also be exchanged for jewelry. Simply put, ABC has an advantage in extracting gold bars. The minimum standard of its "handed down treasure" gold bars is 10g, and gold bars can be extracted as long as there are enough products in the fixed investment account.
ICBC's extraction standard is 50g.
Guangfa hoisting needs100g.
Sixth, the fixed investment time.
In terms of flexibility:
Guangfa Bank: You can choose by month, week and day. Agricultural Bank: every month 1-25 any day.
Admiralty Gold: Any day from 1 to 25.
ICBC: Fixed investment will be made on 5th,15th and 25th of each month.
Bank of Communications: You can choose by month, week and day.
In contrast, Admiralty King is the most spiritual work. Only the shortest 12 months is specified, and it will be postponed automatically in the future. Redeemable at any time
ICBC has a minimum of one year, and cannot stop for more than three consecutive months. After one year, it was postponed year by year. It can be redeemed after one year.
Agricultural Bank of China has a fixed term of 1 year, 3 years, 5 years and 8 years, or it can choose an indefinite term.
Seventh, service attitude.
The financial manager of the bank will not remind customers to deduct money when the gold price is low. The service attitude and quality must be known to everyone who has been to the bank, so I won't say much.
However, our service in Admiralty, Henan Province is one-to-one. Every customer has a professional financial manager to maintain it. Remind customers to deduct when the gold price is low, and remind customers when the jewelry store has preferential activities.