The Bank'S Cargo Base Yield Fell To 4%.

Reporters found that under the siphon effect of the stock market, funds, financial products and deposit substitution products are quietly changing the investment preferences and wealth distribution pattern of the stable investors in Changsha residents.

Once upon a time, the banking department launched a balance of financial management, slowing down the pace of streaming deposits of Internet babies.

Last May, Miss Wang of Xingsha saved a few years' savings to buy a bank financial product with an expected yield of 5.8%. As a result of signing an automatic financial management agreement, the proceeds of the product went directly into a bank cargo base account after the expiration of the product, and the annual yield reached 7 on the 7 day.

However, since the beginning of this year, with the easing of interest rates and loose funds, the bank balance is also hard to escape the doom of declining earnings. Miss Wang's balance of money management now yields 7 to 3.8%.

Since last year, the balance of financial products in Changsha's banking sector has sprung up everywhere, and this kind of demand replacement products that follow the Internet baby have more liquidity and income than the notice deposit and demand deposits: Changsha bank has "raise money every day"; the Bank of China has a quick profit; the Shanghai Pudong Development Bank has PUFA Bao; the Bank of China has a Korean surplus; the Bank of Bohai has Tim Jin Bao; the Xingye Bank has a treasurer wallet.

Many residents' demand funds ensure that they can be withdrawn at any time and have a higher income than the current ones.

However, the reporter noted that after the two interest rate cut this year, the similar products yield of Changsha regional banks has declined as a whole. As of May 19th, the 7 year yield of some bank balances binding has fallen below 4%.

Where did the net down household deposits go? At a grass-roots joint stock bank in Changsha, the sales scale of 30 million yuan financial products also presented at the same time that about 4000000 yuan of deposits in the same period entered the basic cargo products of banks, and most of them were still in demand accounts before the about 4000000 yuan.

The retail chief executive of the network revealed that the distribution pattern of the wealth of the residents is changing quietly: active or passive. Many people under the age of 30 account for less than 1000 yuan in the current capital account, and turn over to buy the balance of financial products, while some of the regular deposits from the age of 40 to 50 years are diverted to the cash management financial products.

Although there has been a slowdown in recent earnings,

Will be more popular.

At the same time, Star City Bank multiple outlets management manager revealed

It is not uncommon for cattle to start new accounts and sleep accounts.

In addition to the larger share base, the capital preservation fund is more deeply favored by the steady investors.

For less inclined

How do people choose to invest in the stock market? Changsha's first gold medal financier, Zhou Liu, thinks that the asset allocation of residents will need to be integrated and diversified when the era of big information management is coming.

Zhou Liu also suggested that if investors are worried about inexperience or too risky to invest in the stock market, they may invest in funds and other equity assets in batches.

Zhou Liu said that the fund is also divided into many kinds, and the risk of capital preservation fund is relatively small because of the large number of bonds.

However, investors with less investment experience should do a good job of proportional allocation. For example, the proportion of elderly people should not exceed 25%. He advises investors to consult senior managers in banking outlets for more than 5 years.