During The May 1 Period, 4 Channels Of Financial Management Can Be Concerned.

As the "May 1" holiday is approaching, many moderate investors will choose to clear out before the holidays and wait for the election to enter the market after the holidays. Then, what are the investment channels for idle investors in the 3 day holiday? Reporters visited several banks in Shencheng, and found that financial products that could be focused on during the festival could be classified into 4 channels: Banks Short term financial products Notice deposit, monetary fund, T+0 finance.

1, short term, ultra short term financial options.

According to statistics, a total of 16 banks issued 101 RMB bonds and money market financial products last week. The average annual expected return of financial products under 1 months or less is 3.09%; the average annual expected return rate of financial products from 1 months to 3 months is 3.81%; the average expected annual yield of 3 months to 6 months is 4.13%; the average period from 6 months to 6 years is average. Expected annual revenue The rate is 4.04%.

Tip: investors should pay special attention to the arrival time of funds, different products, different bank funds arrival time is different, generally from T+1 days to T+3 days.

2, large funds can focus on "notice deposit".

If idle funds are in the range of 50 thousand -10 yuan, Investor You may wish to consider the deposit of notice, including 1 days notice and 7 day notice. At present, the deposit rate of 7 days notice is 1.49%, while the current interest rate is only 0.5%. The former is about 3 times that of the latter.

Note: when there are three situations, the bank will pay interest according to the current interest rate: the time limit for the expiration of the notice period is not advanced, and the bank will withdraw it in advance, or withdraw it in advance.

3, monetary fund yield increase

Monetary Fund is suitable for investors who have less idle funds and fail to reach the minimum amount of deposit notice. The IMF has the characteristics of high security, high liquidity and stable profitability. Its investment cost is relatively low, capital access is very convenient, the starting point for initial subscription or purchase is 1000 yuan, and the purchase is increased by 100 yuan per unit.

Tip: monetary funds are closed on trading holidays, and purchase and redemption must be in line with market transaction time. Investors need to deal with them before the holidays.

4. T+0 is convenient for purchase and redemption.

The biggest feature of T+0 financial products is that customers are convenient to purchase and redeem, liquidity is good, and the proceeds exceed the demand deposits, sometimes even more than one year deposits. The product is calculated daily based on the daily rate of return. The rate of return generally exceeds the current interest rate and the interest rate of the notice deposit. At present, most of the products yield is less than 2%. Customers can purchase and redeem the Internet bank within a specified time, which is basically synchronized with the trading time of the stock market.

Tip: trading time and stock market trading time synchronization, investors generally need to purchase before the festival, redemption after the festival.