In The Age Of Interest Raising, "Walking On Multiple Legs"

The second increase in interest rates during the year is no doubt a "Gospel" for farmers who take deposits as the main way of managing money.

But whether the Gospel can really benefit the farmers' friends remains to be further tested by the market.

The increase in interest rate is less than two months from last time, from which we can see the trend and containment of the national monetary policy.

Experts suggest that during every interest rate increase, farmers should choose the right threshold for pfer and choose suitable financial products to increase their wealth.

Need to find a "critical point" for inventory pfer

Analysts generally believe that the main purpose of this rate hike is still to curb inflation.

It is understood that on the second day after the announcement of interest rate increase, many banks in many cities across the country appeared in large numbers, mostly in the middle aged and the elderly and farmers.

In order to make farmers better understand the relevant points of pfer, the reporter visited some of the bank outlets in Beijing.

A bank staff said that the developer should check his deposit term, and then pass the "critical point" and then deposit it, not only can not enjoy the higher interest rate after raising interest rate, but will be "more and more compensate" because of improper operation.

According to the introduction, the critical point of pfer can be calculated according to the following formula: the critical point of =360 days is calculated by the latest deposit and loan benchmark interest rate.

Take the one year period as an example, the critical point of pfer is =360 * 1 x 32.7.

That is to say, if the deposit period of 1 years has exceeded 33 days, then the deposit will lose money.

Similarly, three months, six months, two years, three years and five years are the 10, 18, 49, 64 and 95 days respectively.

Therefore, the bank staff suggested that a farmer friend heard the voice of "raising interest rates" and must take his own deposit term.

Savings and financial management are not contradictory.

After raising interest rates, both domestic and foreign research institutes have judged that the central bank will continue to raise interest rates in the coming months.

Faced with the market's judgment of future monetary policy, many banks' financial planners told reporters that the increase in interest rates had no substantial impact on Farmers' financial management.

Chen Weihong, the Sales Department of Beijing Chaoyang sub branch of China Construction Bank, suggests that on the one hand, farmers need to do the pfer according to the amount and time limit of their deposits. On the other hand, the insurance and fund allocation for farmers are long-term financial management, with a period of 5 years or more. In the current situation, even after raising interest rates, the interest rate can not compete with the rising CPI.

Therefore, farmers should make long-term plans according to their actual income and expenditure.

Similar to the advice of the financial planner, many experts have said that "multi legged walking" is still the best choice for farmers.

It is worth mentioning that interest rate increases led to short-term.

The financial advisor of a professional financial institution said that if we really entered the interest rate channel, shortening the fixed deposit period would help the depositors to have a flexible grasp of their own capital operation. Moreover, the annual yield of some super short-term financial products of banks could reach about 2%, and the annual yield of short-term financial products could reach about 4%, and the revenue would be much longer than that of regular savings. However, it needs more capital and greater risk.