How Do You Spend Money On Qian Qingming's Vacation?

After "P > > a href=" http://www.91se91.com/news/index_c.asp "> Internet < /a > financial disturbance, the financial management mode of this Qingming little holiday may bring you" difficulty in choosing ". < /p >
< p > in fact, there are many high-yield financial products before Qingming. According to observation, although the income is good, but compared with previous years, there are not many products playing Qingming banner. Through incomplete information on financial information, a total of 294 non structural financial products have been sold or are about to be sold in the commercial banks this year. The average annual yield is expected to reach 5.37%. The expected annual yield is 6% or 31. < /p >
< p > reporters read from the bank yesterday that most of the products sold in Shenzhen before and after the Qingming period were between 5% and 6%, which was basically the same as the end effect in March. Reporters noted that the recent high-yield products are basically controlled by foreign banks, and the period is longer. At the top of its earnings is Citibank's fourth phase of the RMB structured investment account financial products, known as the investment of 50 thousand yuan can get nearly 15 thousand yuan of income. It is reported that its investment amount is 50 thousand yuan, the investment period is 366 days, the expected rate of return is 14%, belongs to the "medium risk" "guaranteed floating income" product. Coincidentally, another foreign investment bank, HSBC, also launched this week "remit the world's one year RMB structured investment products" (maturity 90% principal guarantee), the investment amount is 100 thousand yuan, the investment period is 366 days, the expected rate of return is 10.02%, which means that there is a minimum of 10 thousand yuan a year. < /p >
The information sent to reporters by the customer manager of Shenzhen P, China Merchants Bank, also shows that it is issuing a product with an expected annual yield of 5.9 for 70 days. In addition, there is a 9-15 month high interest product with a yield of 7.5% and a threshold of 1 million. At the same time, Beijing Bank (7.55, -0.02, -0.26%), a private bank customer exclusive "private banking" series of RMB portfolio investment non guaranteed financial products (363 days), the expected annual yield is also as high as 6.5%. < /p >
< p > if you prefer the short term, the 142nd phase of the Shenzhen Shanghai Pudong Development Bank (9.61, -0.06, -0.62%) will sell 142nd yuan in the same period, which is also good. The investment will be 50 thousand yuan for 33 days and the expected rate of return is 5.5%. That is to say, after a month, your expected return is 504 yuan. < /p >
< p > data show that the expected yield of products in the first quarter of this year is higher than that of a href= "http://www.91se91.com/news/index_s.asp" > financial management < /a > products. For this phenomenon, experts said that in 2014, the domestic monetary policy will remain neutral. The overall capital market will be tighter and tighter, and the expected return on financial products will be much harder to come down. < /p >
< p > let you choose a factor of entanglement and foreign currency financing. Since February, influenced by the Fed's withdrawal from the quantitative easing policy (Q E) and the economic recovery of some developed countries, foreign currency financing has been suddenly heated up for several years, and the market is getting warmer. The expected yield of foreign currency financial products represented by the US dollar is higher. Statistics show that the average expected yield of US dollar products is about 4% to 5% recently, and the Aussie dollar stands 6% easily. Although it is difficult to become the mainstream of the market, in some financial planners' view, a proper allocation of foreign currency products can spread risks. < /p >
< p > the so-called "idle money" is not idle, and the Internet finance that is fast in and out quickly seems to be more appetites to Qingming's long vacation. According to statistics from the industry, as of Tuesday, the average annual yield of the 7 day monetary fund with comparable data is about 5.2%, and the 7 day yield of the A and the cash management currency of Anshun are over 9%. Although the Internet "baby" money fund has steadily declined, the gas market is still strong. Yesterday, Alipay [micro-blog] official website showed that the balance treasure [micro-blog] 7 annual yield is 5.357%. At the same time, the 7 annual yield of WeChat CAITONG in April 1st was 5.421%; Baidu [micro-blog] earned 100% profit margin was 5.806%; NetEase cash treasure 5.491%; as a rising star, Jingdong small Treasuries also reached 5.948%. < /p >
< p > there is a proposal for money managers. If there are some idle small funds, the three days of small holiday may choose these monetary funds, "earn a little bit of travel expenses for short distance travel", especially the Internet financial products, and the liquidity that is used to follow is the absolute advantage that financial products are hard to shake at present. < /p >
< p > < strong > misunderstanding tips < /strong > < /p >
< p > < strong > expected maximum plus interest neutral, your actual yield may be discounted < /strong > < /p >
< p > you can easily hurt yourself by taking the expected maximum return as a real gain. The industry has warned that the highest expected return is the earnings of financial products in the ideal situation, which is a certain market risk, and the expected revenue may not be realized. Investors should pay attention to the poorer or worst investment returns listed in the terms. When a financial product expires, investors will feel cheated if the final return is lower than the expected maximum return. < /p >
< p > at the same time, the financial planner reminded that a href= "http://www.91se91.com" > Qingming "/a" before and after the purchase of financial products should also pay attention to the time difference. It is reported that many investors are easy to walk into the erroneous zone that only pays attention to the expected rate of return when choosing financial products, and the higher the expected rate of return is, the better. In fact, the length of the subscription period has an important impact on the actual yield of the products, especially those with shorter maturities before the long holidays. Some products only have two months' duration, and the subscription period is close to 10 days. If you rush to buy early, considering such a long interest interval, such yield must be reduced. < /p >