End Of The Year Financial Management Can Not Miss The Spring Festival Red Envelopes

Last week, the central bank dropped a little bit suddenly, and the stock market did not buy it. The money making effect continued to cool down. The bearer said that "the Spring Festival market became a bad market". At the same time, this year's Bank financial products returned to normal during the Spring Festival, and the volume and price fell. The yield of baby products was not as bright as that of last year. The market predicted that the high yield and high-risk P2P products would decrease this year's income level and stabilize it in the 12% to 15% annual range.

However, financial experts believe that at the end of the year, monetary liquidity is relatively loose and policy is warmer. Whether it is policy orientation or investment timing, it is now an opportunity to plan year-end financial management.

So how do we choose to plan year-end financial management in order to lose the Chinese New Year's bonus?

Bank financial products

Since 2015, the market of financial products has not been ideal, and the rate of return is slow down.

Along with the central bank's reduction, the short-term market capital shortage has been alleviated, the market is expected to enter the interest rate reduction cycle in the future, monetary policy will also be mainly loose, and the yield of bank financial products will continue to be callback. The situation of breaking 5 after the Spring Festival can be expected.

However, the banking market is still at the end of the month and the end of the season. When the Spring Festival is approaching, the capital side is still tight. It is expected that the Spring Festival market will still exist, and the expected yield of financial products will not be immediately down.

At present, the overall financial products information shows that the number of high-yield financial products is decreasing, and the products with higher returns are mainly concentrated on products linked to stock market and index.

Bank financial planners suggest that investors who have idle funds or need to take care of the year-end awards may wish to purchase more than 6 months' long and medium term financial products before the Spring Festival. They can lock in high yield ahead of schedule and avoid losses caused by late earnings.

In addition, after the central bank is cleared, a large amount of liquidity will flow into the stock market, which is expected to push the share price up sharply.

Banks will also issue structured financial products linked to stock or stock index.

However, investors with greater risk and less risk tolerance should purchase cautiously.

Breaking the 5 situation is hard to change. It's still a good place for short-term idle money.

The central bank has dropped 0.5 percentage points and the banking institutions have been affected.

As market funds will continue to warm up, interest rates on bank deposits will also decline, and yields on baby products may also decline.

Although most of the baby products have broken "5", for the conservative investors, the monetary fund at the end of the year is still a good place for short-term idle funds.

Due to the large amount of funds coming out of the 24 new issue this week and the approaching of the Spring Festival holiday, the fund's Spring Festival quotation is still relatively optimistic. As of February 1st, there were 16 funds with an annual yield of over 5% on the 7 day (A, B and C share separately).

Fund management division even suggested that during the Spring Festival, the A shares would be closed, but the goods based income would not take a vacation. Investors might as well borrow money from idle time to make money.

In addition, some IMF, which has the function of T+0 quick cash withdrawal, is an ideal liquidity management tool. Relatively speaking, those products with relatively moderate asset size, bank agreement deposits and bond assets are more balanced, and their investment value is even more prominent.

Long term yields fall back to rationality

Recently, the net loan home report shows that the average annual yield of the P2P platform is currently 17.46%, while the average interest rate of the industry in 2013 is above 25%.

The central bank's RRR will make it easier for small and micro enterprises to get loans from banks in the future. This will also impact the high financing costs of the P2P network loan platform, which will lead to a decline in the yield of the P2P network loan platform.

Even if the market is not allowed to fall, the market is expected to follow the guidance of the P2P industry regulation. The rate of interest rate continued to decline in the P2P industry is also a trend. It will stabilize between 12% and 15% in 2015.

However, as the stock market diverts a lot of bank funds, and with the obvious pressure of capital liquidity near the Spring Festival market, P2P products are still the investment products favored by radical investors with a strong risk appetite.

What needs to be reminded is that high yield is accompanied by high risk. P2P financial planner suggests that when investors choose P2P platform, they need rational analysis. They should not overly pursue profits, and many problems are exposed to details.

Platform product structure, executives' financial industry background, loan project information disclosure, and access mechanism are all factors that need to be investigated. We should find a balance between revenue and risk by combining various factors.