Professional Financial Consulting Services

Whether you need insurance, financial planning or investment consulting, we can provide you with professional advice and solutions

Financial Product Categories

Bank Products

Including time deposits, large-denomination certificates of deposit, counter bonds, bank wealth management products, etc.

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Fund Investment

Including public funds, ETFs and other investment products, covering various industries and valuation analysis

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Securities Market

Including broker new investor wealth management, convertible bonds, new stock calendar and other securities products

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Foreign Exchange Services

Including foreign bank USD time deposits and account opening requirements and other foreign exchange related products

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Insurance Products

Including million medical insurance, critical illness insurance, term life insurance, whole life insurance, increasing whole life insurance, annuity insurance, etc.

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Private Funds

Including basic requirements for private funds and qualified investor standards

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Bank Products

Learn about various bank financial products and find the most suitable way to grow your funds

Time Deposits

Bank time deposits are the most common savings method, featuring safety and stability.

Demand deposit rate 0.15%
3-month rate 0.65%
6-month rate 0.85%
1-year rate 1.00%
3-year rate 1.25%-1.55%

Large-Denomination Certificates of Deposit

Large-denomination certificates of deposit (CDs) are fixed-denomination, fixed-term, transferable large deposit certificates issued by banks.

Minimum deposit amount 200,000 yuan
Term 1 month-3 years
Interest rate 0.90%-2.10%
Features Transferable, higher interest rate

Counter Bonds

Counter bonds refer to bond products sold by banks to individual and corporate customers through counters.

Product types Treasury bonds, financial bonds, corporate bonds
Term 1-30 years
Income method Fixed interest rate, floating interest rate
Features High security, stable income

Bank Wealth Management

Bank wealth management products are capital investment and management plans developed and sold by banks for specific target customer groups.

Risk level R1-R5
Investment term 1 day-3 years
Expected return 1.5%-3.5%
Features Rich variety, high flexibility

Fund Investment

Learn about various fund products to add diversity to your investment portfolio

Public Funds

Public funds are funds publicly raised from the public and managed for investment.

Types Stock funds, bond funds, hybrid funds, money market funds
Minimum investment From 1 yuan
Features Professional management, risk diversification

ETF Module

ETF (Exchange-Traded Fund) is an open-end fund listed and traded on exchanges.

Major Industry ETFs and Valuations

CSI 300 ETF PE: 12.5, PB: 1.4
CSI 500 ETF PE: 20.3, PB: 1.8
ChiNext ETF PE: 35.2, PB: 4.1
Pharmaceutical ETF PE: 28.5, PB: 3.2
Technology ETF PE: 32.1, PB: 4.5

Securities Market

Learn about securities market related products and seize investment opportunities

Broker New Investor Wealth Management

Wealth management products specifically designed for newly opened investors, usually with higher returns and shorter terms.

Expected return 4%-6%
Investment term 7 days-3 months
Minimum investment From 1,000 yuan

Convertible Bonds

Convertible bonds are special bonds that can be converted into ordinary shares at specific times and under specific conditions.

Features Dual characteristics of stocks and bonds
Income sources Interest + conversion gains
Risk Lower than stocks, higher than ordinary bonds

Broker Income Certificates

Broker income certificates are valuable securities issued by securities companies to investors,约定 principal and收益.

Product nature Fixed income
Minimum investment From 10,000 yuan
Term 1 day-365 days
Features Principal and收益 guaranteed

Treasury Bond Repo

Treasury bond repo refers to a short-term investment method where investors lend funds to treasury bond holders and recover principal and interest at maturity.

Product nature Fixed income
Minimum investment From 1,000 yuan
Term 1 day-182 days
Features High security, good liquidity

Margin Trading

Margin trading refers to trading activities where investors borrow funds from securities companies to buy securities or borrow securities to sell.

Business type Credit trading
Account requirements Securities account for 6 months, assets above 500,000 yuan
Features Leveraged trading, two-way operation

ETF Spot Options

ETF spot options are option contracts with ETFs as underlying assets, giving investors the right to buy or sell ETFs at a specific price in the future.

Trading type Option trading
Account requirements Securities account for 6 months, passing option knowledge test
Features Risk hedging, leverage effect

Foreign Exchange Services

Learn about mainstream foreign banks in mainland China, USD time deposit rates and account opening requirements

Mainstream Foreign Banks in Mainland China

Including HSBC, Standard Chartered, DBS, Bank of East Asia and other foreign banks operating in mainland China.

HSBC
Standard Chartered Bank
DBS Bank
Bank of East Asia

Foreign Bank USD Time Deposits

USD time deposit products offered by foreign banks, usually with higher interest rates. Customized deposits are available for large amounts.

1-month rate 1.6%-1.9%
3-month rate 2.0%-2.3%
6-month rate 2.5%-2.8%
1-year rate 3.0%-3.3%

Account Opening Requirements

Materials and conditions required for opening an account at a foreign bank.

Valid identification documents (ID card, passport)
Address proof (utility bill, credit card bill)
Fund proof (bank statement, deposit certificate)
Minimum deposit requirement (usually 10,000 USD)

Insurance Products

Learn about various insurance products to provide comprehensive protection for you and your family

Million Medical Insurance

High-insurance medical insurance covering hospitalization and special outpatient expenses.

Coverage amount 1-6 million yuan
Coverage scope Hospitalization, special outpatient, outpatient surgery
Premium From several hundred yuan/year

Critical Illness Insurance

Major illness insurance that pays out upon diagnosis, providing financial support for treatment.

Coverage amount 300,000-1,000,000 yuan
Covered diseases 100+ major diseases
Premium From several thousand yuan/year

Accident Insurance

Accident insurance covering accidental death, disability and medical expenses.

Coverage amount 100,000-5,000,000 yuan
Coverage scope Accidental death, disability, medical
Premium From several tens of yuan/year

Life Insurance

Including term life insurance, whole life insurance and increasing whole life insurance, providing financial protection for family members.

Term life insurance coverage 500,000-5,000,000 yuan
Whole life insurance coverage 300,000-2,000,000 yuan
Increasing whole life insurance Coverage increases by 3.5%-4.0%

Annuity Insurance

Insurance products that provide regular annuity payments, suitable for retirement planning.

Payment method Monthly, annual
Payment term 10 years, 20 years, lifetime
Features Stable income, retirement planning

Private Funds

Learn about basic requirements for private funds and qualified investor standards

Qualified Investor Standards

Individual Investors

  • Financial assets not less than 3 million yuan
  • Or personal annual income not less than 500,000 yuan in the recent three years
  • Having corresponding risk identification ability and risk bearing ability

Institutional Investors

  • Legal entities with net assets not less than 10 million yuan
  • Investment plans established in accordance with the law and registered with the Asset Management Association of China
  • Having corresponding risk identification ability and risk bearing ability

Basic Requirements for Private Funds

Investment threshold: Usually starting from 1 million yuan
Investment term: Usually 3-5 years, some products can reach 7-10 years
Liquidity: Usually closed-end, cannot be redeemed during the period
Investment scope: Stocks, bonds, futures, options, fund shares, etc.

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