Investing In Holiday Financial Products Must Pay Attention To "Invisible Investment Period".

No matter "Festival" or "stanzas", every festival has its own concept of festivals. financial products I am always in an endless stream. Although the financial rookies in the office are always touched by this holiday promotion, Yao Taitai, a senior financial manager, always stays calm and tends to remain unmoved.

This is no, "61" children's day and Dragon Boat Festival follow, and naturally there are no financial products for these two festivals.

Faced with the concept of "sugar coated bullets", the rookies are ready to make a move. Mrs. Yao has made a waking up to them in time. They should not just stare at the expected rate of return, but also consider the timing of raising funds and their actual situation.

According to the statistics of the silver rate network, the yield of festive financial products is slightly higher than that of other financial products in the same period. The average expected yield of financial products between the period of 6 months and 12 months is 5.51%, and the rate of return is obviously higher than usual.

However, smart Yao Taitai has noticed that the selling time of holiday products is relatively long, usually in 4-7 days. During the period of raising, the bank pays interest at the current interest rate, so the long period of raising will affect the actual income of short-term Festival financial products.

"In fact, the" vacuum period "between the selling period and the arrival date has been regarded as" invisible investment period "by investors. In the final analysis, the festival exclusive financial products are essentially different from the daily financial products. Investors should consider the cost of capital in addition to considering the income factor. Mrs. Yao's analysis showed that everyone in the office nodded.

Yao also stressed that the current high yield financial products are concentrated in the medium and long term. Therefore, investors with low liquidity requirements pay more attention to medium and long term high yield management. In addition, in the middle of the next quarter, the pressure of banks' deposit and loan assessment will appear again. In June this year, the average expected yield of financial products is expected to rebound.

In addition to wealth management products, some banks have recently launched targeted measures. Children's Day And Dragon Boat Festival special gold and silver ornaments, such as twelve constellation gold ornaments, gold and silver zongzi, and so on, some products need to be booked in advance to buy.

In this regard, Mrs. Yao believes that for precious metals investment, other gold and silver products sold by banks during the festival, such as gold and silver moon cakes, gold and silver zongzi, are difficult to achieve asset value preservation and increase, not suitable for investment, and more suitable for gifts or collections. However, if the family has children, parents can take this opportunity to cultivate their children's interest in collecting, so that children can understand that the channels for financial management are not only one kind of bank. It can guide children to invest in stamps, gold and other collections, so that children can wait for stamps to appreciate. White Gold The value preservation function, to cultivate children's interest in financial management.