Nature of lucky treasure: it is not a wealth management product, but a trading platform.
Platform products: At present, there are three main types of products on sale: fund products, insurance products (mainly universal insurance) and loan products (namely P2P online loans).
Product life: 3 months -3 years.
Expected annualized income of products: 5.5%-6.9%.
Liquidity: strong, most products can be realized at any time.
Liquidation fee: 0.2% of the transaction amount.
Product purchase threshold: 100- 1000 yuan.
1. Calculation of the maximum realizable amount of universal insurance products (purchased before July 27th, 20 14, and purchased from June 30th, 20 14 to May 8th, 20 15).
Maximum realizable amount = (principal+guaranteed income) ÷( 1+ realized interest rate × realized loan interest period ÷365)
For example, if an investor buys a universal insurance product with a guaranteed annualized rate of return of 2.5% for 1000 yuan and applies for liquidation after holding 1 80 days, the interest period of the realized loan will be 365-180 =185 days. The maximum realizable amount that can be applied for = [1000× (1+2.5%)] (1+6.0 %×185 ÷ 365) = 994.75 yuan; Handling fee =994.75×0.2%= 1.99 yuan; Then the actual maximum amount to be realized is 992.76 yuan (994.75- 1.99).
II. Calculation of the maximum realizable amount of universal insurance products (purchased from July 27th, 20 14 to June 5th, 20 14)
Maximum realizable amount = (principal+expected income) ÷( 1+ realized interest rate × realized loan interest period ÷365)
For example, if an investor buys a universal insurance product with an expected annualized rate of return of 6.5% 1 year and applies for liquidation after 180 days, the interest period of the loan will be 365- 180= 185 days, assuming that the investor sets the liquidation interest rate at 6.0%. The maximum realizable amount that can be applied for = [1000× (1+6.5%)] (1+6.0 %×185 ÷ 365) =1033.57 yuan; Handling fee = 1033.57×0.2%=2.07 yuan; Then the highest actual amount to be finally realized is 103 1.50 yuan (1033.57-2.07).
Three. Calculation of the maximum realizable amount of universal insurance products (purchased after May 7, 2005+2065438)
Maximum realizable amount = estimated policy value due amount calculated with reference to historical annualized settlement interest rate ÷( 1+ realized interest rate × realized loan interest period ÷365).
For example, an investor bought a universal insurance product with a term of 1 year, and the historical annualized settlement rate of return was 6.5%. The insurance company calculated that the expected policy value of this product was 10650 yuan (insured amount 10000 yuan+expected maturity income 650 yuan). If the investor applies for liquidation after holding 180 days, the interest period of the realized loan is 365- 180= 185 days, assuming the liquidation interest rate is set at 6.0%. Maximum realized amount that can be applied for = estimated value of the expired policy ÷( 1+ realized interest rate × realized loan interest period ÷ 365) = 10650. Then the highest actual amount received after success is10315.0/kloc-0.
Four, loan products (including personal loans and SME loans) and accounts receivable investment products.
Maximum realizable amount = (principal+agreed income) ÷( 1+ realized interest rate × realized loan interest period ÷365)
For example, if a user invests 1 0,000 yuan to hold a loan product with an agreed annualized rate of return of 5.5%, and the term is 1 year, and the user applies for liquidation after holding 180, then the interest period for the user to liquidate the loan is 365-180 =/kloc-0. Suppose the user sets the clearing interest rate at 5.0%. The maximum realizable amount that users can apply for = [1000× (1+5.5%)] (1+5.0 %×185 ÷ 365) =1028.92 yuan; Handling fee = 1028.92×0.2%=2.06 yuan; The highest actual cash received is 1026.87 yuan (1028.92-2.06).
Five, the calculation of the maximum realizable amount of graded debt fund products
Maximum realizable amount = (principal+agreed income) ÷( 1+ realized interest rate × realized loan interest period ÷365)
For example, if an investor buys a graded debt fund product 1000 yuan with an annualized rate of return of 5.6% for 6 months (assuming that 1000 days, the actual days are determined in months), and the user applies for liquidation after 90 days, the interest period of the realized loan is 90 days, assuming that the investor sets the liquidation interest rate at 5.0%. Maximum realizable amount that can be applied for = [1000× (1+5.6 %×180 ÷ 365)] ÷ (1+5.0% × 90 ÷ 365) = The maximum actual paid-in amount is 10 13.07 yuan (1015.10-2.03).
Six, the calculation of the maximum realizable amount of the capital preservation floating fund
Maximum realizable amount = principal ÷( 1+ realized interest rate × realized loan interest period ÷365)
For example, if an investor buys a 1 year floating fund product with a capital preservation of 1000 yuan and holds it for 180 days, the interest period of the realized loan of the user is 185 days. Assuming that the realized interest rate is set at 5.0%, the maximum realizable amount that can be applied for is =185 days.
Seven, publicly issued by financial institutions, guaranteed income exchange products (including the transfer of income rights, bonds, creditor's rights transfer, directional asset management plan, etc.). ).
If the product income type is the agreed annualized rate of return, the maximum realizable amount = (principal+agreed income) ÷( 1+ realized loan interest rate × realized loan term ÷ 365);
If the product income type is expected annualized rate of return, the maximum realizable amount = (principal+expected income) ÷( 1+ realized loan interest rate × realized loan term ÷365).
For example, an investor buys a product with an expected (agreed) annualized income of 7% per year, which is publicly guaranteed by a guarantee company. When the user holds 180 days and applies for liquidation, the interest period of the loan realized by the user is 365- 180 = 65430. Assuming that the investor sets the liquidation interest rate at 5.5%, the maximum realizable amount =100000× (1+7% )× (1+5.5 %×185 ÷ 365) =/kloc-0. Then the maximum actual amount that investors finally realize successfully is 103889.89 yuan (104098.09-208.20).
Note: After 20 15 years18 October, if the product income type is expected annualized rate of return, the maximum realizable amount = principal ÷( 1+ realized loan interest rate × realized loan term ÷365).