"Abacus" Can Achieve "Kill Two Birds With One Stone" In Return And Consumption.

Any holiday for the Chinese people is a rare "feast", and finally can be unloaded fatigue "play" or "buy buy buy".

However, people who have investment demand will inevitably fail in the holidays. Especially during the long holidays such as the national day and the Spring Festival, the stock market stops and the interest on banks is very small. How to manage the idle money in the holiday has become the "worry" of many investors.

In fact, a lot of highly liquid financial products can be considered by investors. As long as we do well in the abacus, we can achieve "killing two birds with one stone" in return and consumption.

Although today's Monetary Fund's declining yields have become the focus of many investors, monetary fund can still be a magic weapon for holiday financing as a low risk and highly liquid investment product.

If investors have a large amount of spare money to take care of during the holidays, choose a highly liquid and fast monetary fund, such as "baby class".

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Then, how do we choose the IMF in the short term? What is the income and service charge and purchase time limit of various monetary fund and baby products?

The financial report of 360 released recently shows that the average yield of the Internet "baby" financial products is about 2.47%, and the yield of the IMF is about 2%.

The flow of money funds and the Internet "baby" financial products is basically the same, mainly invest in the short term.

Treasury bills, commercial bills and so on, so each product has no obvious difference in earnings.

In addition, in terms of purchase fees, investors do not need to pay the purchase fee for the purchase of IMF. They only need a small amount of management fees and trusteeship fees.

It should be noted that although the nature of the "baby products" of the monetary fund and the Internet is not very different, there are still differences in details such as arrival time after redemption.

Money funds, investors can be bought within any trading day, T+0 day redemption, T+1 day to achieve the account.

Most of the Internet baby products can achieve real-time redemption, and only a small part, such as balance treasure, WeChat financial communications and so on, are subject to bank pfer and arrive within 2 hours.

Comparatively speaking, Internet baby products are quicker.

In the process of choosing baby money fund, we should take the 7 day annualized yield rate and the recent performance of fund companies as reference indicators.

The 7 day annualized yield reflects the average yield of the last 7 days after the annualized level, and the yield fluctuates little.

The performance of fund companies can not be ignored.

In general, large fund companies have certain advantages in terms of overall size and management level.

For many investors, investment expectations are centered around higher returns and certain liquidity. If you choose short-term investments during holidays, consider the relevant short-term financial products.

Since the 3 quarter of 2016, the yield of bank financial products has been declining. At present, the average annual yield of financial products is 3.81%, and 4.5% of the products can become the object of competition. Many investors will wonder if it is appropriate to buy financial products at this time. In fact, if short-term financial management, bank financial products can become one of the options. Compared with other kinds of investment, the cost performance of financial products still exists.

According to wind data, in August 19, 2016, 19 days in August 19, 2016, there were 53 banks issuing 1 months' financial products, with a total number of 1002 issued, accounting for 4.25% of the products of all term categories.

The number of products in the 1~3 month period is the largest, accounting for 53.74%.

It can be seen that in the bank financial market, 1~3 months' products occupy "most of the Jiangshan".

Investors who have short-term financial needs within 1 months still have room for gold rush.

Reporters found that through the query fusion 360, from the national perspective, the duration of financial products within 1 months is 3, 7, 6, 14, 29 days. The majority of non guaranteed capital accounts for most, but the amount of investment is generally high, and the lowest starting point is 50 thousand yuan.

The expected revenue comes first. It is a product launched by Haikou Agricultural Bank of China, with a term of 29 days. It also belongs to a non guaranteed type, with a sum of 50 thousand yuan and an expected return of 3.8%.

It can be seen that if the cash flow of investors is loose enough to reach 50 thousand ~10 yuan, then a similar bank financing product can be selected within one month.