Dragon Boat Festival approach, banks have been offering financial products Dragon Boat Festival. The wind, according to the latest data showing a behavior to 31 June 6 in the sale of a total of 158 financial products, including financial management for the holidays, within 14 days of ultra-short-term financial products,are 29. Financial planner, said a number of banks, investors must be rational to buy financial products from vacation.
Ultra-short-term financial products hit
China Securities News has learned that riding holiday vacation in May the sale of financial products, "East Wind", a number of banks, pushing the main sections of the short-term financial management, financial management to solicit passengers the Dragon Boat Festival. These short-term period of financial products, ranging from 2 days -14 days, subject to income by investing in diverse and different. Such as the Agricultural Bank in 2011 introduced the first 1256 Dragon Boat Festival holiday to enjoy the renminbi wealth management products, duration 3 days, is expected to yield annualized rate of 4%, China Merchants Bank launched surplus in 2011 day 24 of RMB financial period is 4 days expected 3.5% annualized rate of return.
Account Manager Commercial Airlines stock banks Gong said the China Securities News, this year due to interest rate fluctuations in the stock market and other factors, the major commercial banks to issue short-term financial products, period investment normally not exceed six months. "The current market for 1 to 3 months to fill the consumer products, these products have also been favorable for investors."
Hang Gong said, "All things considered, these short-term liquidity of financial products of better quality and stability of income, the risk is low, it is particularly well received by investors." The wind data, 31 May-June 6 in the sale of the 158 financial products, there are 125 major investment bonds, interest rates and various other fixed income securities, which represents over 79%.
rational investment in products with high efficiency
Trade Bank, improve the expected rate of return has become part of the phenomenon of financial market holiday. Consequently, high-yield generally higher risk financial products, investors should be a rational purchase.
This reporter has learned, high-yield short-term financial products, the starting point is generally higher for subscription, the subscription funds and is the more relevant, the expected return. For example, the recent launch of the China Merchants Bank in 7 days of financial products, the benefit plan financial RMB day 25, the annualized rate of return of 5% from the subscription is 10 million, Agricultural Bank of China has launched three days of financial products, 2011 1256 Dragon Boat Festival holiday on exclusive RMB financing products, the expected rate of return of 4% from the subscription amount of $ 5 million.
Gong Airlines, said many investors to buy financial products, most of the low return rate is only concerned, but often neglected, "the highest", "expect" and "annual return" and several other words key. "These words mean that in the most ideal circumstances, investors can get high yields. In addition, investors can withdraw money midway."
Industry sources, investors in the purchase of financial products, investment products should also be concerned about, as surety, the category of portfolio investment, linked to different types of interest rates SHIBOR. The subject of these investments have different risk factors. "Dragon Boat Festival, the rate of return is often tied to financial SHIBOR interest rates, investors may refer to the current trend in interbank lending rates to make investment choices."
In addition, the "hidden investment period" is also the time investors to choose financial products should be the center of attention. It is understood that the short-term financial products, the timing of payment, most often product after the expiry of two working days in case of non-banking days, the payment date will be extended, investors have little effect. But there are also some products from sale and the date of receipt of a "vacuum" phenomenon, the quasi-extension of the investment period. If a financial product sales period is June 1-3 days, can formally that the value date June 7. June 9 because it normally takes 3 - 7 days to make the liquidation, the principal will be repaid and the carrying on income. Thus, article 3 days of the product cycle stretched to 10 to 15 days in this "empty", investors can not access the deposits. 2011-6-6