Industrial and Commercial Bank of China (ICBC) has recently launched a new fund distribution service brand named "ICBC Wealth Select." This initiative is a key step in ICBC's strategy to deepen the transformation of its wealth management business and upgrade its inclusive financial services. Centered on client profitability, the brand leverages ICBC's extensive customer base, robust distribution channels, and professional investment research capabilities to establish a pyramid-shaped matrix of selected public fund products. It aims to create a new fund sales and service model that integrates product curation, risk management, and client service, providing individual investors with a more professional, secure, and rewarding fund investment experience.
Product Series "Dual Stars": Precisely Matching Diverse Investment Needs Based on client needs and practical operations, "ICBC Wealth Select" employs quantitative metrics such as returns and drawdowns as screening criteria, formulates scientific equity allocation suggestions, and collaborates with high-quality fund management companies to build a dynamic, optimized product pool. Utilizing clear hierarchical logic, the brand's initial launch features two core product series: "Secure Gain" and "Smart Gain," designed to accurately cater to clients with different risk appetites and investment objectives, offering a one-stop asset allocation solution.
The "Secure Gain" series focuses on low-volatility strategy products, including fixed-income and fixed-income-plus funds. Its core objectives are strict drawdown control and volatility smoothing, selecting high-quality products known for stable operation and rigorous risk control. It aims to provide reliable allocation choices for investors seeking principal safety and steady asset appreciation, helping clients preserve gains and hold positions with peace of mind in volatile markets. The "Smart Gain" series concentrates on equity index and index-enhanced funds, selecting the best products with high tracking efficiency, transparent operation, and favorable scale and liquidity. It offers efficient, convenient, and low-cost allocation tools for investors with certain risk tolerance who pursue medium-to-long-term return potential and aim to capture market trends and sector opportunities, meeting diversified asset allocation needs.
Beyond the product framework, ICBC has simultaneously developed a comprehensive, multi-dimensional service support system for "ICBC Wealth Select," shifting from a "product sales" model to a "client companionship" value proposition. In collaboration with partner fund companies, ICBC provides ongoing, professional, and personalized investment companionship services through the open wealth community on its mobile banking app. This service covers three key areas of companionship across seven major scenarios, addressing the entire chain of needs including market analysis, product insights, systematic investment education, risk alerts, and portfolio care. It aims to alleviate common investor pain points such as difficulty in market timing, holding discipline, and information asymmetry.
Looking ahead, ICBC will accelerate the comprehensive optimization of the fund section within its mobile banking app, officially establishing a dedicated "ICBC Wealth Select" zone. This zone will integrate one-stop functions such as intelligent label-based filtering, multi-dimensional performance comparison, automatic reminders for systematic investments, and convenient one-click purchases. It seeks to build an efficient service experience that unifies channels, brand, and clients, significantly enhancing the convenience of investment operations and the sense of long-term holding satisfaction for clients, making wealth management simpler, more secure, and more personalized.
ICBC and Guotai Asset Management: Collaborating to Empower Quality Investment Choices With its stringent selection criteria, comprehensive product system, and extensive service coverage, "ICBC Wealth Select" has garnered positive responses and support from industry institutions upon its launch. Among them, two products from Guotai Asset Management were selected for the two series of "ICBC Wealth Select" based on their outstanding overall strength, providing strong support for investors to enrich allocation options and optimize portfolio structures.
Guotai Limin Anyue (Class A: 022007, Class C: 022008) was selected for the "Secure Gain" series due to its stable operational logic. This fund employs a short-term bond investment strategy, carefully selecting medium-to-high grade credit bonds, and consistently prioritizes risk control, pursuing low-volatility, sustainable, and stable returns. According to the Q1 2026 report and Wind data (as of March 31, 2026), the fund's net asset value increased by 2.08% over the past year, while its performance benchmark fell by 0.07% over the same period, demonstrating significant outperformance. Its maximum drawdown during the period was only -0.04%, and it took only 2 days to recover from this drawdown, offering investors a comfortable and secure holding experience with its exceptionally stable performance. (Note: The performance benchmark for Guotai Limin Anyue is 90% * ChinaBond Composite Total Price (Total Return) Index Yield + 10% * Bank Demand Deposit Interest Rate (post-tax).)
Guotai Gold ETF Link Fund (Class A: 000218, Class C: 004253, Class E: 022502) was selected for the "Smart Gain" series. As a standardized allocation tool for capturing gold price trends, this fund offers advantages such as high transparency, good tracking efficiency, and convenient allocation, making it a quality choice for asset allocation, hedging market volatility, and diversifying portfolio risk. As of May 8, the underlying Guotai Gold ETF tracked by this fund had assets under management exceeding 41.4 billion yuan, with an increase of nearly 12 billion yuan within the year, indicating growing market recognition and consistently ranking among the top in its category for trading activity.
As a leading domestic ETF investment institution, Guotai Asset Management has a comprehensive and strong presence in index investing. As of Q1 this year, Guotai Asset Management's non-monetary ETF AUM reached 303.1 billion yuan, rising to fourth place in the industry, with an increase of nearly 17 billion yuan within the year. Nine of its ETFs have surpassed 10 billion yuan in AUM, and its product portfolio comprehensively covers diverse asset classes including A-shares, overseas equities, commodities, and bonds, efficiently meeting various asset allocation needs of investors.
The inclusion of Guotai Asset Management's products in ICBC's "ICBC Wealth Select" optimized pool signifies ICBC's high recognition of Guotai Asset Management's investment research capabilities, product management expertise, and risk control standards. It also reflects the strong alignment between the two parties in their client-centric philosophy, deep commitment to wealth management, and dedication to serving a broad investor base. Moving forward, Guotai Asset Management will continue to leverage its investment research strengths, maintaining deep collaboration with ICBC to jointly provide investors with higher-quality products and more comprehensive services.
Data Source: Wind, as of March 31, 2026. Guotai Asset Management's non-monetary ETF total AUM ranking is 4/56. Fund size data is subject to change and is for reference only; it does not constitute investment advice or predict future fund performance. Past fund performance is for reference only and does not constitute investment advice or guarantee future results. Views are for reference only and may change with market conditions. Funds carry risks; invest with caution.
Guotai Limin Anyue is a bond fund. Theoretically, its expected returns and risks are higher than those of money market funds but lower than those of hybrid funds and equity funds. This fund sets a minimum holding period of 30 days for each fund share. During this minimum holding period, the fund share holder cannot submit redemption or conversion requests for that share. Redemption or conversion requests can only be submitted from (and including) the day the minimum holding period expires. Guotai Limin Anyue 30-Day Holding Bond A (Inception Date: December 20, 2024; Performance Benchmark: 90% * ChinaBond Composite Total Price (Total Return) Index Yield + 10% * Bank Demand Deposit Interest Rate (post-tax); Managed by Tao Ran since December 20, 2024): 2.13%/-1.40%; Guotai Limin Anyue 30-Day Holding A has a custody fee of 0.20%, a management fee of 0.05%, and subscription fee rates as follows: for subscription amounts < 1 million yuan, the rate is 0.30%; for 1 million yuan ≤ subscription amount < 5 million yuan, the rate is 0.10%; for subscription amounts ≥ 5 million yuan, a flat fee of 1,000 yuan per transaction applies. Regarding redemption fees, for holding periods ≥ 30 days, no redemption fee is charged. Class C shares have a custody fee of 0.20%, a management fee of 0.05%, a sales service fee of 0.20%, no subscription fee, and for holding periods ≥ 30 days, no redemption fee is charged.
The Guotai Gold ETF Link Fund primarily invests in the Guotai Gold ETF. Its expected risk and return profile is similar to that of gold assets, differing from equity funds, hybrid funds, bond funds, and money market funds. Investors pay subscription fees when subscribing to Class A shares of the Guotai Gold ETF Link Fund. No subscription fees are paid for subscribing to Class C or Class E shares; instead, a sales service fee is accrued from the assets of these share classes. The annual sales service fee rate for Class C shares is 0.35%, and for Class E shares is 0.30%. The subscription fee rate for Link A is as follows: for subscription amounts < 1 million yuan, the rate is 0.7%; for 1 million yuan ≤ subscription amount < 2 million yuan, the rate is 0.3%; for 2 million yuan ≤ subscription amount < 5 million yuan, the rate is 0.1%; for subscription amounts ≥ 5 million yuan, a flat fee of 1,000 yuan per transaction applies. Regarding redemption fees for Class A shares: for holding periods < 7 days, the redemption fee rate is 1.50%; for 7 days ≤ holding period < 1 year, the rate is 0.2%; for 1 year ≤ holding period < 2 years, the rate is 0.05%; for holding periods ≥ 2 years, no redemption fee is charged. For Class C shares: for holding periods < 7 days, the redemption fee rate is 1.50%; for 7 days ≤ holding period < 30 days, the rate is 0.1%; for holding periods ≥ 30 days, no redemption fee is charged. For Class E shares: for holding periods < 7 days, the redemption fee rate is 1.50%; for holding periods ≥ 7 days, no redemption fee is charged. Please refer to the fund's legal documents for details.
Risk Warning: Investors should fully consider their own risk tolerance before making investment decisions and invest cautiously. If you intend to purchase related fund products, please carefully read the fund's legal documents, pay attention to relevant investor suitability management regulations, complete a risk assessment in advance, and purchase fund products with a risk rating that matches your own risk承受能力 based on your risk承受能力.
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