Brokerage Income Certificate Details

Below is detailed information about brokerage income certificates, sourced from public market information. Last updated: March 9, 2026

Brokerage Income Certificate Overview

Brokerage income certificates are securities issued by securities companies to investors,约定本金和收益. They are debt financing instruments of securities companies, featuring principal protection and guaranteed returns.

Main Features:

Principal protection and guaranteed returns: Income certificates usually约定固定收益，到期返还本金和收益
Flexible terms: Ranging from 1 day to 365 days, investors can choose appropriate terms based on their fund needs
Low minimum investment: Usually starting from 10,000 yuan, suitable for ordinary investors
High security: Belong to the debt of securities companies, with low risk

Income Certificate Classification

1. Principal-protected fixed income type

约定固定收益率，到期按照约定收益率支付收益，本金保证返还。

Suitable for:

Investors who pursue stable returns and have low risk tolerance.

2. Principal-protected floating income type

约定基础收益率，同时根据挂钩标的表现获得额外收益，本金保证返还。

Suitable for:

Investors who pursue stable returns while hoping for additional returns, with moderate risk tolerance.

Investment Strategies

1. Term selection strategy

Choose appropriate terms based on fund idle time. For short-term funds, choose 1-day or 7-day products; for medium to long-term funds, choose 30-day or 90-day products.

2. Yield comparison strategy

Compare yields of income certificates issued by different securities companies and choose products with higher yields.

3. Diversified investment strategy

Do not concentrate all funds in a single income certificate. Diversify investments in products with different terms and from different securities companies to reduce risk.

4. Timing selection strategy

When market liquidity is tight, securities companies will increase the yield of income certificates to raise funds. Investing at this time can obtain higher returns.

Investment Notes

1. Understand the product prospectus

Carefully read the product prospectus to understand the product's term, yield, risk and other information to ensure the product meets your investment needs.

2. Choose appropriate term

Choose the appropriate product term based on your fund needs to avoid losses due to early redemption.

3. Pay attention to securities company qualifications

Choose income certificates issued by strong and reputable securities companies to reduce credit risk.

4. Diversify investments

Do not concentrate all funds in a single income certificate. Diversify investments in products with different terms and from different securities companies.

5. Pay attention to liquidity

Income certificates usually cannot be redeemed early and need to be held until maturity. Therefore, arrange funds reasonably to ensure that normal life is not affected by liquidity issues.

Comparison with Other Products

Product Type	Safety	Return	Liquidity	Minimum Investment
Brokerage Income Certificate	High	Medium	Medium	From 10,000 yuan
Bank Time Deposit	High	Low	Low	From 50 yuan
Money Market Fund	High	Low	High	From 1 yuan
Treasury Bond Reverse Repo	High	Medium	High	From 1,000 yuan

Brokerage Income Certificate Investment Tips

Pay attention to market liquidity: When market liquidity is tight, the yield of income certificates will rise, and investing at this time can obtain higher returns.
Choose appropriate term: Choose the appropriate term based on fund idle time to avoid losses due to early redemption.
Compare products from different securities companies: The yields of income certificates issued by different securities companies may vary, it is recommended to compare and choose products with higher yields.
Diversify investments: Do not concentrate all funds in a single income certificate. Diversify investments in products with different terms and from different securities companies.
Understand product terms: Carefully read the product prospectus to understand the product's terms and ensure the product meets your investment needs.