Investment And Financing Strategy Should Be Short But Not Long.

With the entry of interest rate channels in 2011, various financial products on the market

A bank financial planner reminded that at present, China has entered the cycle of raising interest rates, and there may be several interest rates hikes in the next two years.

Investors should try to choose financial instruments with short term and strong liquidity to avoid financial losses caused by interest rate changes.

Market: part of financial products to implement "interest rate protection"

Reporters learned that since the beginning of the central bank's interest rate increase, Foshan's banks have generally increased the yield of financial products, the product period is also more abundant, less than 7 days more than 1 years.

At present, some short-term financial products with a term of less than 3 months will yield an annual yield of about 4%, higher than the 1 year deposit rate.

For example, the Bank of China's stable series is launched by the Bank of China. The products have 7 days, 14 days, 21 days, 1 months, 2 months, 3 months, 6 months and so on. The expected annual yield of products is between 2%~5%.

CCB's "Qian Yuan" series of products also has different investment cycles, which can fully meet the different mobility needs of the public.

Some financial products of Huaxia Bank even have the function of "raising interest rate protection", which is directly linked to the expectation of raising interest rates.

According to agricultural bank financial planner Zhang Xiaoling, at present, ABC's "golden key" series of financial products are also very popular.

"Some products have been sold out in less than half an hour."

At the same time, many banks have also launched a number of high-end credit assets or bond financing products, with a period of 3 months to 1 years, the annual rate of return is 3% to 4.8%, but the starting point of this kind of product is relatively high, and the general requirement is more than 500 thousand yuan.

For the current banking sales of all kinds of financial products hot situation, insiders analysis, along with the central bank continued to raise interest rates, many financial products yield also along with interest "rise", more importantly, at present, the bank credit lines are generally in a state of shortage, in the Foshan market, although workers, farmers, China and other four state-owned banks have not yet appeared "one size fits all" loan phenomenon, but tight money is an indisputable fact.

According to the insiders, under such circumstances, the pressure of banks to take deposits and deposits is quite large, which has generally increased the yield of financial products and intensified the promotion of various financial products.

"At present, the yield of many short-term financial products exceeds the one-year fixed deposit rate. Compared with the frequent pfer to banks, some high-yield short-term financial products cater to the investment needs of short-term funds."

A bank financial planner said.

Reminder: it is best not to exceed half a year.

Chen Xiaoyi, a financial manager of the Ministry of finance of Foshan branch of Bank of China, said that when entering the interest rate access channel, the public can choose some bank financing products with stable income and high liquidity.

Financial planners suggest that for those who are accustomed to saving or buying bonds, they can buy financial products for about 6 months at present. For those who can accept slightly higher risk and higher capital, they can directly purchase products with a yield of about 4.6% for a period of 1 years, or configure some high-end wealth management products with a term of 2 years, with a yield of more than 7%.