Short Term Financial Investment Tool For Working Class

　　 1, bank financial products

From the point of view of revenue, most of the earnings of financial products are about 4%~6%, not high, but they are characterized by stability, good security and flexible investment. Such as China Construction Bank, ICBC and so on, have issued some financial products. If the Bank of China issued "Qian Yuan Kai Xin Xiang" financial products, the investment is 50 thousand yuan, and the highest yield is expected to be 5.3%. China Merchants Bank also has similar short-term financing. If entering Baoding Ding becomes gold, the purchase amount is 5 yuan, and the highest yield is expected to be 5.5%. If the demand for income is not high, it can be considered properly. The investment period between the two is about 80 days and 170 days. Jiaxing Reed financial management division added that, for the purchase of bank financial products, if the early redemption, different products have different attachment conditions. Some stipulate that investors can redeem in advance, others can't. Like some products, the early redemption will not yield any benefits, and it will also bear the penalty amount of about 2%. Investors need to pay attention to this before buying.

　　 2. Balance treasure management

The application scope of the balance treasure is actually quite wide, which is equivalent to a "wallet". The cost of living and the amount of capital left idle can be used for investment. It is still more convenient to store the balance treasure and pay for it by paying bora. The average yield of the balance Bao is about 4%.

　　 3. Fund financial products

There are different types of investment in the fund. Some of the investment structure is better, the expected rate of return is relatively high. If Jiaxing Reed - stable profit fund, 3 months of short-term investment, the expected annual yield is 8%, the expected annual yield of 6 months is 9%. In addition, the product also provides more than one year's investment period, and the expected rate of return is 10%~14.4%. Such funds only need 200 thousand of the investment, relatively speaking, its investment threshold is not high, more suitable for the middle class to configure family funds.

　 4. P2P Fixed income products

For short-term financial management, P2P fixed income financial products are also worth considering. The rise of Internet finance has given this kind of investment products huge market opportunities. This kind of fixed income financial products, such as Yisheng wealth issued single season Xin, the investment period is 3 months, the annual yield is 8%, the income is relatively high, and is also relatively safe, making short-term investments is still very cost-effective.

In addition, it is worth mentioning that the current market environment from the central bank to cut interest rates, the yield of bank financial products has a downward trend, so fixed income management is more "precious", "status" is also rising again. It is suggested that prudent investors should pay close attention to it.

In general, as a salaried class, it is not easy to make money one year. But Jifeng Reed financial planner believes that it is not contradictory to work hard to make money and spend some time on some investment and financial management. So, how should we spend the year-end awards? It's better to plan carefully, so we'd better not rush to do that "moonlight clan".