Clever Buy Financial Products And Inflation "Race"

In 2011, the price level rose.

Product term: ultra short term instead of cash

After the interest rate has entered the rising corridor, investors will face greater interest rate risk. The yield of various investments will increase with interest rates. If the long-term investment yield can not fluctuate with interest rates, it will lead to the actual loss of investors.

Bank financial products have been showing a trend of short-term in recent years. In February this year, there was a very high yield of super short term products, and some of them had higher yield than short-term products.

Puyi financial experts said that for ultra short term products, its yield has a certain degree of fluctuation with the bank's tight demand for funds. For 14 day products and 28 day products, investors should choose the timing of investment.

In order to avoid cumbersome procedures such as screening products and formalities, investors can also choose rolling products that are automatically renewed.

Such as the industrial and commercial bank's "step by step win" and Everbright Bank's "double weekly profit" is the investment type.

Investment direction: focus on policy support industry

Due to tighter credit this year, banks will be more likely to meet the financial needs of enterprises through issuing bank financing products. Investors may face more choices than single investors in single (non structural) financial products.

Experts believe that when choosing products that are similar to single investment, we should first avoid the industries and projects that are regulated by policies, especially the real estate commercial housing projects.

This year, under the double background of house price control and credit tightening, the real estate business funds are tight. There is a certain risk in the trust loans and credit assets of these enterprises. Especially, the credit risk of enterprises with poor quality or bad projects is more risky.

Some banks will not disclose in detail the basic situation of capital use enterprises and the basic situation of the projects in the product manuals, so investors should avoid them as far as possible.

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Second, we can focus on those.

Three, investors should distinguish between banks and financial products in investment and consumption industries.

For example, although prices are facing regulation, liquor and red wine and other consumer goods are still in demand because of their rigid demand.

Structured products: concerns linked targets

Currently, financial products linked to interest rates and RMB exchange rates are highly recommended.

Financial experts believe that under the background of increasing interest rates and appreciation of the renminbi, the trend of interest rate and exchange rate is easy to grasp. Investors can easily identify whether the proceeds structure is reasonable, so those products with bullish interest rates and RMB exchange rate are likely to get more substantial returns.

In addition, for gold and oil and other linked varieties, experts think it needs to be treated differently. "The oil market is highly internationalized, and its price trend is determined by the international supply and demand relationship. It is not easy to be affected by the policies of a country or a few countries. In the case of geopolitical crisis and global excess liquidity, the long-term upward channel for oil is basically established."

Experts believe that although gold has recently had multiple positive supports, the yield of structured products linked to precious metals and crude oil will generally be related to the price path or related to the price of a certain time point (such as a specified period of observation), which will lead to the uncertainty of the final income of structured products.

Similarly, the rise in gold and oil prices does not necessarily guarantee investors to make money in the purchase of related bullish banking products, but also needs to see the specific way and time limit.