At The End Of The Year, Financial Mess Will Be Lost. It'S Better To Diversify.

It is reported that this year, the earnings of financial products continued to fall. The data of 360 monitoring showed that in September, the volume and price of bank financial products fell evenly, with an average expected annual yield of only 3.66%, a record low. Although the traction of exclusive financial products on National Day holidays has shown a slight increase in the middle and late 10 months, the average expected annual yield is still below 3.7%.

In fact, with the opening of the interest rate cut, market interest rates have been in a downward state, coupled with loose liquidity, the bank financial products revenue has broken down since the "break 4".

In the coming days, the expected rate of return of these products is likely to continue the downward trend. People expect the "year-end financial meal" to be lost.

Recently, many people are sorting accounts and placing orders.

At the same time, habitually began to pay attention to the "year-end quotes" and hoped that the timing of financial management at the end of the year.

However, a few days ago, reporters learned from banks in Ningbo that the willingness of banks to push products is not strong. Investors expect the end of the year's financial management to be difficult to reproduce.

First of all, the central bank cut interest rates to pass the trend of future interest rate marketization development. Under the low interest rate market, it is difficult to produce high-yield products. Secondly, considering the various factors such as business performance and risk prevention, banks will also increase the access standard of the assets of financial products, and shrink the scale of issuing financial products. Last month, the news that "off balance sheet financing will be incorporated into the generalized credit calculation" will slow down the progress of product distribution.

In other words, next year, these products are

It is also likely that the downward trend will continue. People expect the "year-end financial meal" to be lost, "the head of a joint-stock bank product department said yesterday in an interview with reporters.

According to the latest statistics of Wan de information, last week (October 31st to November 6th), the issuance of financial products of banks decreased by 12.55% compared with the previous week, and the average expected return rate was lower than that of the previous week.

How to manage the idle money in the hands of a good player? If the market fails to come at the end of the year, how should the public investors take care of the idle money and the upcoming year-end bonus? If the risk is high, we should pay close attention to the stock market, fund and wait for the possible "red envelope market" at the end of the year. If the risk bearing capacity is not high, we suggest that the public pay attention to the stable products of the bank.

In this regard, families

The upcoming financial holiday products such as Christmas and New Year holidays and exclusive financial management of mobile banking and high net worth customers have become the most recommended varieties of financial planners.

In order to ensure the consumption of new year's day and before the Spring Festival, it is better for the public to diversify their investments, buy financial products in different stages, or separately configure financial products that are medium to long term, short term, or even super short term, which can be obtained at any time.

The regulatory authorities will not forget to remind investors. At present, sales of financial products are gradually increasing through new channels such as online banking and mobile banking. In the face of all kinds of new financial management mode, while investors enjoy the convenience of financial services, they must also keep in mind the safety of funds, guard against phishing sites and illegal links, and effectively protect personal account information.

At the same time, you should carefully check product terms and risk tips before clicking on confirmation purchase, so as to avoid false purchase due to convenience.