Inflation Is Rampant: Take Care Of Big Money And Small &Nbsp; Raise Capital Efficiency.

If there is a temporary shortage of hands, investors can skillfully use the "extension right" to ease financial pressure.

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At present there are several banks' "extended repayment" mortgage business, that is, within a certain period of grace repayment period, the lender can only pay interest, do not pay interest or pay only part of the principal to ensure that cash flow is abundant.

However, due to the delay in repayment of principal, the lender needs to pay more interest later as the price of "grace repayment".

Credit card consumption can also be used skillfully.

If the credit card is not available for a time, investors can communicate with the issuing bank to postpone repayment, or refund the total cost of 10% to repay the minimum repayment amount.

However, in addition to collecting late fees, banks will also receive the corresponding revolving credit interest, which is worth investors' attention.

Multi level cash assets

Investors can manage cash assets at various levels according to the time needed to raise capital utilization efficiency.

Take short-term financial products as an example, investors can increase the yield by raising the investment cycle to two weeks or a month.

At present, the 1 month financial products launched by banks are around 2.7%.

For investors, it is expected that the yield of monthly financial products will be about 1% higher than that of daily management if the funds are not used for more than 1 months.

If money is needed in a short time, money market fund is a good short-term financial tool. At present, some funds can redeem T+1 in some channels.

For monetary fund that can be redeemed by T+1, if the yield can reach more than 2%, it is also worth investors' attention.

Moreover, many fund companies already have the function of "cash treasure", which can be purchased or converted into stock funds and bond funds through money market funds, which is more flexible in making use of funds.

For some professional investors, they can also choose bonds as short-term investment tools. If they are properly analyzed, the new debt and old debt varieties will invest 3% to 6% of the annual yield.

Financial experts also suggest that regular savings for banks can also adopt a multi-level investment rule, which can be stored in batches for 3 months, 6 months or 1 years, so that different financial needs can be met.

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Using time difference to increase yield

After the two new IPO system reform, new investment has become a favorite investment among many low risk investors, and short term financial tools can be used in the new break.

Securities Times reporter estimates data show that the current bank's weekend financial products revenue perspective, if investors invest 300 thousand yuan in such financial products, you can earn more than 200-300 yuan, and will not affect the new investment.

Financial experts also said that if the issue of new shares is issued, investors will also be matched with some short-term financial management, while when some successful issuing new shares are issued, centralized funds can be used to fight, which can raise the utilization ratio of funds.

Credit card repayment time can also be used.

Investors may wish to spend all of their wages on money market funds, spend as much money as possible on credit cards, and redeem money market funds on the day before the credit card repayment date, which is equivalent to the amount of money redemption money market funds, and the credit card money. Even though money market funds yield only about 2% on the 7 day, but they are still higher than bank deposits, so they can earn the difference between them.

Financial experts said that in addition to money market funds, equity funds, bond funds and other investment products can also be purchased, however, we need to pay attention to the risks.