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The May Day Holiday Is Going To Prepare You For Money

2011/4/28 17:00:00 86

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Investment Income Financial Management Of Short-Term Financial Products

"May 1 is coming soon. Can you tell me about the near future?

Income from investment

Better short term financial products?

Accustomed to the bank short-term financial products as the main channel of financial management, on the eve of the holiday, Ms. Xiao is also consulting at the capital management center of Fujian Industrial and commercial bank.

Raising interest rates makes citizens more inclined to take short-term products within 3 months as financial allocation.

Many people have developed the habit of finding a follow-up baton before the expiration of the product, and products with liquidity and benefits are often the first choice.

Reporters have learned that some banks can attract a considerable number of repeat customers to their customers for product expiration date, follow up product announcement, holiday hot financial product reminders and interest rate prompts.

MS Shaw is one of the ICBC's repeat customers.

And the coming May Day holiday also allows more people to turn their attention to ultra short term financial products.

In recent years, bank financial products have been showing a short-term trend.

In February this year, the annual yield of ultra short term products was higher, and some of the products were higher than short-term products. This is in line with the idea of using bank financial products instead of demand deposits.

So, what principles do we need to grasp when buying ultra short term financial products?

Everbright Bank (601818 shares, quotes, information, main trading) Fuzhou branch wealth center financial planner said that in the interest rate channel, ultra short term financial products for high liquidity requirements, large amount of money customers are good investments.

However, it is not recommended that customers pfer funds between banks to purchase ultra short term financial products frequently. The more time they go, the longer the time will be spent for funds.

Because there is an idle period in the issuance of financial products, and the income is very low (only interest for current or one day notice deposit).

Before buying products, investors should first understand clearly the period of raising money, the date of interest, the time limit and the date of arrival of funds.

If customers have little money, they can buy long term financial products directly, and the actual revenue will far exceed the frequent purchase of ultra short term financial products.

　　建行的薛響也表示，銀行理財(cái)產(chǎn)品近來逐漸呈短期化趨勢，節(jié)日版、假日版、周末版層出不窮，而這一類的超短期理財(cái)需要注意幾個(gè)方面：首先要注意計(jì)算好募集期和到賬期，理財(cái)產(chǎn)品往往都有募集期和到賬期，因此真正的收益可能會(huì)減少大家的實(shí)際年化收益，如果這類的期限太長，其收益有可能反倒不如購買短期理財(cái)產(chǎn)品；其次，如果資金處于閑置狀態(tài)，卻長期頻繁購買與自己閑置期不相符的超短期理財(cái)產(chǎn)品，在產(chǎn)品的銜接上也容易出現(xiàn)問題，在一期產(chǎn)品結(jié)束等待下一期產(chǎn)品的過程中也在流失收益；再者，大家在選購理財(cái)產(chǎn)品時(shí)不需要太急，如果在額度方面不成問題，可以選擇在募集期的最后一天購買，并且詳細(xì)了解資金到賬日，進(jìn)而安排好下一次的投資。

"When choosing financial products, we should pay close attention to product investment scope and expected annual yield rate, pay attention to the purchase and redemption rates of short-term financial products, carefully study the instructions, and pay constant attention to the information released by banks.

In the short term, especially within 10 days, the super financial products are not suitable for everyone. Investors who buy idle money for such financial products for a long time are not very wise. This will reduce their earnings. Some banks need higher initial investment in financial products, and investors with limited funds will not be suitable.

On the other hand, to pay attention to liquidity risk, banks usually have quota management for ultra short term financial products, and when banks raise funds and redemption funds are extremely unbalanced, banks will limit large redemption.

Hengfeng bank financial planner also expressed his view.

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Single product: capital investment is very important.

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

For a single product, the investment direction is the decisive factor affecting the risk and profit of financial products. What should investors pay attention to?

According to Hengfeng Jiang Qingping, for a single product, the investment direction is the decisive factor affecting the risk and income of financial products. Investors can pay attention to the following points: first, avoid the industry and projects that are regulated by policies properly.

There are certain risks in investing in trust loans and credit assets of these enterprises, especially those with poor corporate qualifications or bad projects.

Two, we should pay close attention to industries with policy support and pay attention to bank financial products invested in these industries.

Because these industries have greater policy support, major projects generally have financial matching funds and tax preferences, which makes the financial products invested in this part of the project more robust and yields may be higher.

The three is to differentiate the financial products of investment and consumption industries.

Everbright financial advisers suggest that investment should first clearly understand their own risk preferences.

Investment direction

There are different risk levels. Investors should buy financial products that match their own risk levels.

Secondly, to understand the demand for liquidity, most financial products are highly profitable through liquidity, and investors are not allowed to redeem the investment period. Investors with uncertain funds need to choose short-term financial products with corresponding maturities.

"This year's bank reserve ratio has risen to a record high, and the credit funds of all banks have also been in a tense situation, so there are more and more financial products derived from them. Enterprises can solve the demand for funds, and banks can ease the pressure of tightening and bring extra business income."

CCB financial planner Xue Xiang told reporters that while facing more and more financial products, investors should pay attention to several important aspects: first, we should make sure that the type of the product belongs to the category of credit, new stock purchase, bond or bills, because different products have different characteristics, and there are different potential risks. Two, we must understand the investment direction of the product, what kinds of projects we invest in, and whether there will be higher industrial risks in the future.

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What are the "potential" misconceptions about buying financial products?

Many investors always go into erroneous zones when they buy financial products. When they are good at managing money, let the financial planners guide us.

"The first principle is clear.

Annual income

The concept, for example, that seven days of financial conversion into one year's revenue is 3.50%, instead of seven days, it can get 3.50% of the earnings, avoid the expected deviation and lead to senseless disputes; the second principle is to find out the difference between the interest period and the raise period.

For example, seven days of financial management is from 28 to May 4th April, and the collection period is three days from April 25th to April 27th.

China Minsheng Bank (600016 shares, quotes, information, main trading) Fuzhou branch financial planner said.

"While buying financial products is likely to get a higher return, it also faces risks that some time deposits do not have.

Therefore, when choosing financial products, it is necessary to ask if the product is "guaranteed capital", and how large the expected maximum revenue will be and whether it can be paid in advance.

Hengfeng Jiang Qingping said.

She also analyzed the following situations for readers:

1. financial products are not all guaranteed.

At present, there are many kinds of bank financial products in the market. From the perspective of revenue type, there are several kinds of insurance guaranteed income, guaranteed floating income, partial guaranteed floating income and non guaranteed floating income. This is only a few word errors in the product brochures, but their investment risks are different.

2. "expected return" is not "real income".

When choosing financial products, many people regard the rate of return as the most important standard or even the sole standard in the product description, but often ignore the "expected" two words before the yield rate.

Most of the financial products sold in the market are less than one year, and the public can not simply use financial capital to multiply the annual return rate to calculate investment returns.

3., most of them cannot be paid in advance.

If the public has handled time deposits, they will suffer a certain interest loss when they withdraw interest in advance according to the current interest rate. If they purchase certificates based treasury bonds, they will pay a certain fee in addition to the file interest rate when they are paid in advance. However, if the citizens purchase financial products from banks, they will be unable to cash in advance when they are in urgent need of money.

Therefore, before buying financial products, citizens must set aside a mobile fund to prepare for rainy days.