How To Buy Financial Products In The Year Of Rabbit? &Nbsp; Pay Attention To Short-Term Products And Make Big Money.

The Spring Festival is near.

Q: at present, there are many kinds of financial products launched by banks. How should investors cope with the new changes and select the appropriate bank financial products to achieve the preservation and appreciation of personal assets?

Answer: at present, financial products are divided into three categories: guaranteed capital, fixed income, guaranteed floating income and non guaranteed floating income. Investors should choose the types of financial products according to their risk tolerance.

Q: what are the advantages of bank financial products and savings? Is it risky?

A: the advantage of bank financial products and savings is that the income of financial products is higher than that of the savings products in the same period, especially the fixed income products, and there is no risk at present.

However, financing is a kind of investment, and investment is risky. Financial product is not a unified interest rate behavior of the state, but a bank's behavior of managing financial contracts for its clients.

Non guaranteed floating income products themselves are uncertain. Investors should be prepared to take risks.

Q: this year, the voice of bank raising interest rates is getting higher and higher. Will interest rate increase affect the earnings of bank financial products?

A: the interest rate increase of banks is not opposite to the earnings of financial products, but corresponds to the reference relationship.

It is hard to predict whether the proceeds of buying financial products will be higher than the level of savings plus interest in the future.

But one thing is for sure. When designing the current financial products, the bank is a position with customers. It is expected to be higher than the level of savings plus interest in the same period.

Therefore, choosing financial products is not suitable for long term products.

Q: what problems should we pay attention to this year when purchasing foreign currency financial products?

A: from the two perspectives of inflation expectations and exchange rate changes, the purchase of financial products has more value preservation function than the savings deposits of the same period. Therefore, the purchase of financial products mainly chooses financial products with short term of RMB and financial management.