It is understood that the recent bank keen to send RMB financing products, mainly due to the end of June is the end of the quarter, six months at the end of the deposit assessment "deadline day" bank "money shortage" phenomenon "high fever", to solicit depositors of banks the purpose of ultra-short-term financial products began, "you Changba me play." This reporter has learned, and now on the market various types of financial products is not only a huge number, and the yield is indeed eye-catching, seven days short of financial products have annual yield of over 5%. Everbright Bank, a 10 days Money expected annual return rate of 5.1%; ABC 7 Skynet Wealth of a product, the annual yield of up to 5.6%.
In addition, the central bank has just raised the deposit reserve ratio, the bank has declined, so the banks to issue financial products enthusiasm.
Short-term financial products to buy four skills
Rate of return for financial products soaring, the four professionals to provide investors to purchase skills.
First, understand the product term. Customers generally believed that the period of financial products and time deposits, is calculated starting from the day of purchase interest. In fact, financial products clearly written instructions, when the value date when the due date. Proposed purchase of financial products, they must see instructions on raising and value date, need to be reminded that the financial products the receiving date, the due date plus three working days, note that if in three days period, Saturday and Sunday in which still need two more days, such date shall be credited into the calculation of the correct date.
Second, the attention rate of return. As the range of different investments, short-term financial products, a larger difference between the expected rate of return. Even the same type of product, the banks of the expected rate of return varies. Therefore investors should consult before making a choice after careful. In general, the expected rate of return is relatively high, refers to the ideal case, the earnings of financial products, which there is a certain market risk, expected return may ultimately not be realized. The risk of a fixed rate of return is almost zero, basically can be achieved, which guarantees that it can not be too high. Minimum rate of return is generally low, it is to protect investors on the basis of the lowest income, there is some profit potential for investors in the choice of such products, whether the implementation should focus on the possibility of product revenue.
Third, pay attention to purchase and redemption rates. At present rates of financial products, including: subscription / subscription fees, redemption fees, product annual management fee, annual hosting fees, excess return performance pay. Although they did accumulate a few tenths, but enough to fill a mountain.
Fourth, pay attention to redeem Daozhang time. Investment in short-term financial products, to pay attention to redeem Daozhang time, because the rules are different for each bank transaction. Short-term products, such as a paragraph, if on the day before the redemption of 16:30, funds can be credited into account within 2-3 hours. Also, pay attention to a huge redemption problems have occurred due to early redemption provisions triggered a huge lead many banks to suspend redemption of short-term financial products, affecting cash flow
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