Financial Revenue To Pick Up The Fastest Bus Before The Festival

The Spring Festival is coming. These days, the small family's annual bonus, annual bonus and so on are coming in one by one.

Then, what are the ways to manage money in the last week before the holidays to earn good profits during the holiday season?

The last bus before rush hour

In the last week before the holiday, the earnings of the bank's financial products have been briefly recovered. The expected revenue is more than 6%, and the products are mainly medium and long term. Investors can take advantage of this wave before the Spring Festival to lock in the medium and long-term gains.

A 42 day financial product recently sold by the Bank of Nanjing is expected to yield an annual yield of 6.4%, 50 thousand yuan from the investment, and stand out in the earnings of many bank financial products. The bank has another 50 thousand yuan, 35 day deadline for new customers to enjoy short-term financial products, with an expected annual yield of 5.9%.

Huaxia, Bohai, Xingye, CITIC and other shareholding banks are also selling the financial products whose expected annual yield is higher than "6".

Huaxia Bank's "profit increase 1466" financial product sold for 50 thousand yuan, with a period of 687 days. The main investment creditor's rights and money market are expected to reach a maximum annual yield of 6.5%.

Because the yield is very eye-catching, the product was hit by a spike; however, the products that the bank will sell for 64 days, 50 thousand yuan and 6.2% of the expected annual yield will still be available for purchase.

In view of the fact that the central bank is currently cutting interest rates, if there are spare cash on hand, there is no need for funds in the short term.

The Bank of Bohai sold a 365 day financial product on Monday, with an annual yield of 6.1% as long as 50 thousand yuan to start the investment. There is also a "Bosheng 119" 365 day 50 thousand yuan starting product, with a yield of 6%.

At the same time, the big state-owned banks also began to exert their strength. ICBC recently launched a product with a period of 375 days, 100 thousand yuan to start, and the highest expected annual yield of 6.1%.

A senior financial planner of a joint-stock bank introduced that since 2015, the yield of bank financial products has been slowing down.

Along with the central bank's reduction, the short-term market capital tension has been alleviated, the yield of bank financial products will continue to callback, and the probability of breaking 5 will soon appear, so investors must not miss this opportunity.

Goods base income is not bad.

Order three days before the long vacation.

This month,

It has also picked up.

Despite the announcement by the central bank last week, the agency expects to release more than 700 billion yuan of liquidity to the money market. However, due to the approaching Spring Festival holiday and the issuance of 24 new shares this week, the capital market in the pre holiday market is still tight, and the yield of the fund remains high.

The latest data show that the majority of IMF's 7 day yield has exceeded 5%, and the 7 yield of minority funds is still over 8%.

In fact, from the end of 12 to the end of 2014, the overall yield of IMF rose under the influence of the end of the year and other factors.

Data show that in 2014, the average annual yield of the 7 interval of the IMF was 4.39%, and entered the 4.44% level in 2015, and the upward trend was obvious.

Industry analysts pointed out that due to the approaching Spring Festival, the high yield of the fund will continue. At the end of the year, the monetary fund will still be a good place for short-term idle funds.

Due to the large amount of funds coming out of the 24 new issue this week and the approaching of the Spring Festival holiday, the fund's Spring Festival quotation is still relatively optimistic. As of February 1st, there were 16 funds with an annual yield of over 5% on the 7 day (A, B and C share separately).

Fund management division even suggested that during the Spring Festival, the A shares would be closed, but the goods based income would not take a vacation. Investors might as well borrow money from idle time to make money.

However, before long holidays, the fund company will suspend the purchase or conversion of the monetary fund ahead of time. It is recommended that the monetary fund be applied for at least 3 working days before the holidays.

Earn a big red envelope before a holiday

As the Spring Festival's "year-end" and the "new year" account for the dual factors of useful funds, the short-term financial "artifact", which is fluctuating with the interest rate of funds, has started to go on again.

Yesterday, the annual yield of the reverse repurchase overnight (GC001) of the Shanghai Stock Exchange opened at 11.508%, the highest at 65%, and the highest increase was 6024.53%.

According to this rate of return, if we invest in treasury bonds, we can earn 1780 yuan a day for 1 million yuan.

Investors who have a large amount of idle funds can choose the Treasury bonds to buy back the big red envelopes of the Spring Festival.

At present, the Shanghai and Shenzhen two cities have Treasury Bonds Repurchase varieties, but the most active varieties are mainly 1 day and 7 day varieties in Shanghai stock market.

The paction abbreviation starts with GC.

For example, GC001 represents a 1 day treasury bond reverse repurchase, while GC007 is a 7 day variety.

Investors can repurchase treasury bonds after the opening of the corresponding exchanges in the Shanghai and Shenzhen stock market accounts. The initial capital is only 100 thousand yuan.

According to the government's counter Repurchase Trading unit, the 1 hand =1000 denomination.

And the limit of each applicant's declaration: the minimum 100 hands or its integer multiple, and the maximum should not exceed 10000 hands.

And the next natural day after the paction date, plus the maturity period of the repurchase paction, is the maturity date of the product.