Rate Cut: How To "Leak Out" In Personal Financial Investment

At about 6 p.m. on February 28, 2015, the central bank issued a decision to cut interest rates and again cut interest rates asymmetrically.

The one year loan benchmark interest rate and the deposit benchmark interest rate are down 0.4 percentage points and 0.25 percentage points respectively. At the same time, the upper limit of the deposit interest rate range is adjusted to 1.2 times as much as 1.1 times the deposit benchmark interest rate.

Reed, a financial advisor, understands that interest rates may be expected, so the market's response is generally not enthusiastic enough.

For the stock market, which was "sensitive" to the interest rate cut, the stock market did not seem to have changed significantly in the first working day after the interest rate cut in March 2nd.

But overall, interest rate cuts have great impact on the financial investment and life of the residents.

After the interest rate cut, the cost of social financing further declined.

For bank financing products, the investment side's earnings decline will be pmitted to financial products.

Some agencies predict that after March, the yield of bank financial products will probably fall below 5%.

For the trust products, before the central bank lowered interest rates, 1 million of the trust products, the income was basically around 9.5%~10% level, and now it is at 9%~9.5% level.

This cut interest rate, it is expected that the proceeds of trust products will have a downward trend, the market is generally expected to average around 0.5%~1%.

Yes

In particular, especially the less prosperous real estate related trust, the risk may be increasing, but the income will also be reduced.

For the insurance industry, the allocation of stock bonds of insurance companies is mainly the medium and long term fixed income type. This part of the stock bonds has more "fair value" in the interest rate cut.

Therefore, for insurance companies, the funds have more flexible operation space, and it is also a good thing for insurance.

It is also necessary to note that the interest rate cut has been raised to the floating rate of interest rates for major banks, which is adjusted to 1.2 times from 1.1 times of the original benchmark interest rate.

This means that competition among banks has intensified.

This is not difficult to see.

The intention of promoting interest rate liberalization.

Therefore, when people choose bank savings, goods can be more easily harvested than three.

The four points above are

After that, it will have some influence on the personal financial management and life of the residents.

Of course, for investors, there are also some types of financial institutions' earnings of financial products remain unchanged.

Jifeng Reed financial manager learned that, for example, some internet financial investment, or maintain the original income unchanged, so it has more attractive.

For example, Yisheng Bao, a more popular Yisheng fortune, has an annual yield of 100 thousand or 10% unchanged.

For investors, this kind of Internet financial and financial products can still go to "pick up the leak" if the earnings are not announced.

The other way is not to reduce the long-term treasury bonds, but also the coupon gains.

Investors who need the national debt can also go to "pick up the leak" now.