Core Viewpoint - The article discusses the recent performance of the Shanghai Composite Index, which has surpassed the 4000-point mark for the first time since August 2015, highlighting the potential investment opportunities and strategies for investors in the current market environment [1][8]. Investment Strategies - **Gradual Investment**: Investors are encouraged to make multiple small investments to reduce the psychological pressure associated with large investments. This strategy allows for better cost averaging in case of market fluctuations [3]. - **Setting Profit Targets**: It is important for investors to establish profit targets (e.g., 10%, 20%) before entering the market, ensuring timely profit-taking when these targets are reached [3]. Fund Performance - **China Construction Bank's Fund Offerings**: - The "建信上海金ETF联接A" fund has achieved a 45.96% return over the past year, ranking first among its peers [5]. - The "建信中证1000指数增强A" fund has delivered a 43.58% return in the same period, focusing on small-cap growth assets [6]. - The "建信沪深300指数增强A" fund has a more modest return of 13.22%, tracking the performance of the CSI 300 Index [7]. Market Context - The Shanghai Composite Index has shown varied performance over the years, with annual changes from 2020 to 2025 being 13.87%, 4.80%, -15.13%, -3.70%, 12.67%, and 2.76% respectively, indicating a recovery trend in 2025 [1][8].

Core Viewpoint - The article introduces the "建行惠懂你" App, which facilitates online account reconciliation for corporate clients of China Construction Bank, emphasizing its convenience and efficiency in managing account statements [1]. Function Highlights - Account Reconciliation: The app allows users to perform account reconciliation entirely online via mobile devices, available for clients who have signed up for the bank's reconciliation services [1]. - Receipt Viewing: Users can conveniently apply for receipts and view details of account statements at any time [1]. - Reconciliation Reminders: The app provides timely notifications for reconciliation, enabling users to reconcile accounts in real-time with a single click [1]. Reconciliation Process - The process involves logging into the app, selecting the reconciliation function, choosing the relevant enterprise and account, confirming the action, completing facial verification, and accessing the reconciliation page [1]. Bill Status - For matching bills, users can select "matching," submit the confirmation, and complete the process by entering a verification code [2]. - For non-matching bills, users can select "not matching," modify the information, confirm the submission, and a customer manager will follow up to address discrepancies [3]. Receipt Application - Users can access the "已回签" menu, apply for a receipt by entering their email address, and the system will automatically send the receipt to the provided email [5]. User Engagement - The article encourages users to follow the company for more operational guides by entering "惠用操作" in the dialogue box [8].

Core Viewpoint - The article emphasizes the importance of personal pension contributions, highlighting tax benefits and savings opportunities associated with investing in pension funds through FOF (Fund of Funds) strategies [1][12]. Group 1: Market Performance - On November 13, the Shanghai Composite Index reached a new high, marking the strongest performance in nearly a decade [3]. - FOF fund net values have also achieved new highs this year, indicating a positive trend in the market [3]. Group 2: Investment Strategies - Pension funds can strategically invest in equity assets through FOF funds, which are designed for long-term growth and aim to reduce portfolio volatility while sharing in the long-term growth of the equity market [7]. - Over the past five years, the FOF fund index has shown relative advantages in controlling maximum drawdown and annualized volatility, while providing competitive long-term returns that align with the investment needs of pension funds [9]. Group 3: Fund Performance Metrics - The annualized volatility and maximum drawdown for various indices are as follows: - FOF Fund: 6.02% annualized volatility, -18.41% maximum drawdown, 13.97% total return - CSI 300: 18.04% annualized volatility, -45.60% maximum drawdown, 1.06% total return - Equity Funds: 18.97% annualized volatility, -47.80% maximum drawdown, 11.08% total return [10]. Group 4: Fund Offerings - Various FOF funds are available for different risk profiles, including: - Aggressive Strategy: Jianxin Youxiang Progress FOF (Y) [11] - Balanced Strategy: Jianxin Youxiang Balanced FOF (Y) [11] - Conservative Strategy: Jianxin Tianfu Youxiang Stable FOF (Y) [11]. Group 5: Tax Benefits and Cost Savings - The Y class shares for personal pension investments offer lower fees and tax benefits, allowing investors to save up to 5,400 yuan annually on taxes when contributing 12,000 yuan to their personal pension accounts [12][13]. - The article outlines that the fee rates for Y class shares are generally lower than those for A class shares, enhancing the overall investment value [12][14].

● 拉保卡民生消费有好礼 每周三指定社保卡客户可领满60-20银联优惠券 每个自然月最多领取1张 银联优惠券 活动对象:持有建行社保卡,且为手机银行高级签约客户 *手机银行高级签约,是客户通过手机银行签约,签约确认状态为高级签约 立即参与 社保卡公交出行有好剂 建行借记卡享1折乘车,社保卡优惠再加码 指定银联借记卡可享1折优惠, 使用社保卡支付还可享受加码优惠 立即参与 ● 拉保卡发薪月未享好礼, 社保卡代发工资受邀客户可领满60-20银联优惠券 2025年11月24日-28日每天下午15点, 受邀客户有机会参与报名领取银联满60元立减20元优惠券, 每个自然月最多领取1张 - 银联优惠券 - ·60·20@ 敬请期待 注册开通手机银行立锁 I 0- I 00元微信立减金 手动 自活无 卡超多福利等你来量 作者 社会保障卡 它总是默默无闻、被人忽视 只有看病买药时,才会被人想起 六十四六四节日 出 21 很多人不知道的是: 建行社保卡早已升级 > 社保+金融+生活优惠三合- 现在,有社保卡在手,生活轻松无忧! 卡无忧 乐享生活, 建设银行倾力打造"社保卡活动专区" 覆盖五大核心生活场景: 医疗健康、公交出行、 ...

Group 1 - The article promotes a wealth management program offering various benefits for customers, including tax deductions and savings through personal pension contributions [1] - The program includes a winter promotion for wealth members, providing up to 454 yuan in rewards [2] - Customers with an average financial asset amount of at least 50,000 yuan in October can receive a WeChat discount of up to 60 yuan during the promotional period [3] Group 2 - Customers with an average financial asset amount of at least 9,000 yuan in October are eligible to enter a draw for a WeChat discount of up to 188 yuan [4] - Wealth members who upgrade to a higher wealth level for the first time this year can receive corresponding upgrade rewards, with a maximum value of 206 yuan for multiple level upgrades [5]

Group 1 - The article discusses various promotional activities and discounts offered by China Construction Bank (CCB) through its mobile banking app and partnerships with platforms like WeChat and Alipay [11][14][28] - CCB is providing incentives such as cash rebates, discount coupons, and loyalty points for customers who use their bank cards for payments during specific promotional periods [4][19][24] - The promotions include opportunities to win prizes through lucky draws based on monthly spending thresholds, encouraging increased usage of CCB's financial services [4][11][19] Group 2 - Specific promotional periods are highlighted, such as from July 1, 2025, to December 31, 2025, where customers can earn rewards for using their CCB cards for transactions [8][24] - The article mentions the use of digital currency for payments, with additional discounts available for transactions made using digital RMB in designated areas [33] - CCB is also promoting its credit card services by offering bonus points for transactions made through various payment platforms, enhancing customer engagement and loyalty [19][24][28]

Core Viewpoint - The People's Bank of China will issue the "Peking Opera Commemorative Coin" with a face value of 5 yuan and a total issuance of 60 million coins, with China Construction Bank (CCB) handling the reservation and exchange process in 11 regions [1]. Reservation and Exchange Arrangement - The reservation period is set from November 18, 2025, 22:00 to November 19, 2025, 24:00, with a limit of 20 coins per person and only one reservation allowed [2]. - The verification period will take place from November 22 to November 24, 2025, during which the People's Bank will verify all reservation records [2]. - The exchange period is from November 25 to December 1, 2025, where successful reservation holders can exchange their coins at designated CCB branches [3]. Additional Information - If local People's Bank requirements extend the exchange period, further announcements will be made [4]. - Valid identification for the reservation and exchange must be the second-generation resident ID card, with specific provisions for proxy transactions [5]. - Various online channels for reservation will be available, including CCB's official website, mobile portal, personal online banking, and WeChat service accounts [5][6]. - CCB supports cash, debit cards, and bankbooks for the exchange, with some branches also accepting digital RMB [6].

Core Viewpoint - The article promotes the benefits of using the Construction Bank's ETC service, highlighting its cost-effectiveness, convenience, and various promotional offers for users [2][3][7]. Group 1: Service Features - The ETC service offers a nationwide highway discount of 5% for users, making it financially attractive [3][7]. - Users can choose from three cardless ETC packages starting at a low price of 89.9 RMB, which includes easy installation and activation [2][8]. - The service promises no hidden fees, ensuring transparency with no prepayment, service fees, or annual fees [6][13]. Group 2: Promotional Offers - New and existing users can enjoy a variety of coupons, including car wash and fuel vouchers, with potential savings of up to 100 RMB when purchasing an annual card [4][5]. - The promotional period for the ETC service runs from November 1, 2025, to November 30, 2025, encouraging users to sign up during this time [3]. Group 3: Customer Support and Warranty - The ETC devices come with a three-year warranty, and users can benefit from a hassle-free return policy if the device is not activated within 14 days [11][13]. - Customer support is readily available through online channels, ensuring users can resolve any issues with their ETC devices [14][15].

Core Points - The article discusses various promotional activities related to digital currency payments offered by China Construction Bank in collaboration with several brands, including Luckin Coffee and Haokang [4][6][12]. Group 1: Promotions and Discounts - Luckin Coffee offers a new customer red envelope worth 10 yuan and a monthly discount of 5 yuan for the first order over 9 yuan during the promotional period from November 1 to November 30, 2025 [6]. - Haokang provides discounts for home service purchases made through its app, with a reduction of 5 yuan for orders over 100 yuan and 10 yuan for orders over 300 yuan, valid from September 16 to December 31, 2025 [12][13]. - The total number of discounts available for Haokang is limited to 50,000 instances, with a total discount cap of 500,000 yuan [13]. Group 2: Additional Offers - Other brands participating in the digital currency promotions include Vipshop and Miniso, with specific promotional periods and conditions outlined for each [14][18]. - The digital currency payment system is designed to enhance customer experience and encourage the use of digital wallets for transactions across various platforms [4][21].

Core Viewpoint - The article presents a comprehensive guide for individuals looking to establish a comfortable home life, emphasizing a one-stop service platform provided by the bank to facilitate various aspects of home living [6]. Group 1: Home Finding - The platform offers a smart house-hunting feature that includes new and second-hand properties, along with information on surrounding amenities such as transportation, schools, and hospitals, making the search process more efficient [9]. - Users can access tools for interest rate inquiries, public housing fund interpretations, and mortgage calculators to support their home-buying journey [9]. - Flexible housing loan options with low interest rates are available to help users achieve their homeownership dreams [9]. Group 2: Home Renovation - The "Love Home" channel allows users to choose from a wide range of merchants for home renovation, from full home decoration to quality furniture [10]. - The "Bank Home Decoration Festival" offers discounts, making it easier for users to invest in their living spaces [10]. - Renovation financing options include loans up to 1 million yuan with repayment terms of up to 60 months, reducing financial pressure [10]. Group 3: Home Essentials - The platform features well-known home appliance brands, ensuring quality living starts with the right products [11]. - Users can benefit from government subsidies, bank discounts, and merchant promotions, making home purchases more affordable [11]. - Flexible consumer loans and merchant installment plans are available to facilitate the acquisition of desired home items [11]. Group 4: Property Management - The platform simplifies property management tasks, allowing users to pay bills and request repairs easily, thus enhancing the living experience [12]. - Community services such as parking management and administrative tasks are streamlined for user convenience [12]. Group 5: Comprehensive Living Services - The platform offers a wide range of services including food delivery, bill payments, and wealth management, ensuring a holistic approach to home life [13]. - Users can plan for future needs such as vehicle purchases and personal finance management through the platform [13].