China QDII Daily Plan and U.S. Short-Term Bonds

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China's QDII Daily Plan is relatively close to holding U.S. short-term bonds: it invests in U.S. short-term debt with relatively high interest rates, but redemption takes some time.

Yield: The seven-day annualized yield is usually around 3.4% - 4%

• BOC Wealth Management QDII Daily Plan (USD version) is an R1 low-risk U.S. dollar cash management product launched by BOC Wealth Management. It has an annualized return of about 3.4% - 4% and invests in overseas deposits and money market instruments. The product features daily allocation and daily payment, supports dividend reinvestment, and begins accruing income the day after subscription. It is an option for investors allocating U.S. dollar liquid assets.

• Summary of key information:

• Product positioning: Cash management wealth product, mainly investing in bank deposits, interbank certificates of deposit, bond repos, and other highly liquid instruments with maturities within one year.

• Yield: The seven-day annualized yield is typically around 3.4% - 4%.

• Income distribution: Income is calculated and distributed daily, and the payment method is dividend reinvestment (i.e. converted into shares).

• Trading rules: after same-day subscription, income is confirmed and calculated the next day; there is no income on the redemption day, and redemption is confirmed the next day.

• Fees: the sales fee for some share classes has been reduced to 0.20% annualized.

• Risk level: R1 (low risk).

• Main features:

• Good liquidity: Daily operations, suitable for short-term capital allocation.

• Investment scope: Concentrate on high-grade US dollar bonds and certificates of deposit, which are greatly affected by the Federal Reserve's interest rate policy.

• Objective: to provide returns above demand deposits while maintaining high liquidity.