Holiday Financing Teaches You Three Investment Funds: "Year-Round"

Leisure money is not idle. Nowadays, holiday management has become the focus of many investors.

Holiday financing, mainly in the stock market closed period, small holiday and other investment blank time, for investors idle capital investment. This kind of financial product has short investment period, considerable expected revenue, flexible liquidity, quick cash advance and quick exit, and complementary spanaction time with the stock market. Therefore, investors can make full use of holiday financing to reinvigorate funds in the stock market rest period.

Recently, the stock market is in a stalemate, and has been repeatedly oscillating at 3000 points. Inflationary pressure The central bank's tightening measures and other factors are complicated. Now that the May 1 holiday is approaching, many moderate investors will choose to clear out before the holidays and choose to enter the market after waiting for a holiday. So, 3 days may day holiday, investors Idle funds What are the investment channels? To this end, the reporter visited several banks on the 54 Road, consulted the bank financial management personages. Financial investors from different banks give different investment proposals. Generally speaking, they can be classified into three categories: bank short-term financial products, notice deposits, and Monetary Fund.

Holiday financing varies with capital.

In the conversation with the bank financing personage, the reporter found that different holiday financial management is suitable for different amount of investment funds, and it will have different embodiment in the specific income.

The investment threshold of short-term financial products is relatively high, generally more than 100 thousand yuan, and its liquidity is good. After the expiration of the product, the funds can be returned to the cage. At present, there are 1 days, 3 days, 7 days, 14 days for the sale of ultra short term financial products on the market. In terms of yield, its expected revenue is higher, and it can get much higher income than the demand deposit. The specific expected revenue is different from the investment period and investment amount. (so the 5 year financial product launched by the former Everbright Bank for Qingming holiday has a 200 thousand year yield of 2.2%, a 1 million year yield of 2.5% and a 5 million year yield of 3%). However, it should be noted that investors should pay special attention to the time of arrival of funds, and the time of arrival of funds from different products, banks and funds varies from T+1 days to T+3 days.

If the hands of idle funds in the 50 thousand ~10 million investors, may wish to consider the deposit notice. A notice deposit is a deposit variety that the depositor has not agreed to deposit in the time of deposit, and is required to inform the bank ahead of time, in accordance with the date and amount of the agreed withdrawal date, including 1 days' notice and 7 day notice. At present, the deposit rate of 7 days notice is 1.49%, while the current interest rate is only 0.5%. The former is about 3 times that of the latter. However, when there are several situations, the bank will pay interest according to the current interest rate: the time limit for the expiration of the notice period is not advanced, and the bank will withdraw it in advance, or withdraw the payment in advance.

As for Monetary Fund, it is suitable for investors who have less idle funds and fail to reach the minimum amount of notice. Its monetary fund has the characteristics of high security, high liquidity and stable profitability. Its investment cost is relatively low, capital access is very convenient, the first recognition / purchase is 1000 yuan, and the purchase is increased by 100 yuan per unit. However, the fund spanaction holidays are closed, and the purchase and redemption must be compatible with the market spanaction time, that is, investors need to deal with them before the holidays.

Liquidity risk and profit and loss risk

During the interview, bankers reminded investors: Holiday financing The purpose is to set aside short-term funds, mainly the idle funds in the stock market, so as to make the funds truly "year-round". Therefore, good mobility is the first priority, followed by income. Investors should pay close attention to the redemption provisions of financial products when they choose to invest in products, so as to understand clearly the redemption period, the time limit for redemption and the redemption fee (useful banks have restrictions on redemption), so as not to delay the use of funds.

In addition, investors who buy short-term financial products should consult the banks before buying them, especially for the risks that may arise. Some products are expected to have a higher rate of return, but for non guaranteed floating products, the principal and income of the product may not provide guarantee commitment. Investors may not always get the expected return, and may face the risk of loss of principal. Therefore, if investors prepare large sums of money to buy such products, we must first clear the direction of investment and take full account of their own risk tolerance. If you do not adapt to such products, you can buy other products with stable income and low yield.