currently on the market of financial products innumerable ,but to choose a suitable for their products but need to charge a brain .The following ,for investors to introduce several easy operation but practical financial products .
Gold class managing finances product : a principal commitment to protect the banks currently selling gold financial products provide the principal security commitment ,investors do not worry too much about the gold price rise .
If the adverse situation ,the product due date with no interest, principal can still keep .And the principal does not guarantee the gold trading ,attraction is risk bearing capacity is relatively low for the conservative customer .
The market gold class managing finances product yield is generally limited to about 8%, the period from six months to a year before .Even if the gold in the financial period up to 30% or more, investors can only obtain product limit the maximum expected rate of return of 8% .
Common golden financing product structure has three kinds: the first kind is a symmetrical interval ,is a bank set a gold price fluctuations interval ,for example ( observed on the price of +/-60 dollars ) .
The other is a non symmetric interval ,investors can choose is bullish or bearish gold gold .If bullish gold ,investors purchase interval ( observed on the price of US $+X) structure ;if bearish investors to buy gold ,interval ( observation on the price of US $-X) structure .
There is a trigger ,as long as the financial period the price of gold touch or exceeds a pre-set a price or rate ,can obtain the highest anticipated returns ratio .To trigger for example ,banks may be provided ,as long as the observation period in any one day or more than the original price gold price touch 120% ,then customers get the highest expected rate of return of 8.
5% ,otherwise the rate of return of 1.5% .With a low risk of the corresponding gold financial products, liquidity is poor .It does not like gold and foreign exchange trading ,buying out at any time at any time .
The investor either pay breach of contract damages ,redemption product ;or the bank at a specific date termination products .Therefore ,the purchase of gold class of financial products to investors for future use of funds have certain constraints .
Fund is scheduled to vote : many a little make a mickle. Bank fund set business is an internationally accepted similar to the bank such fund management ,is a kind of the same time interval and the same amount of the purchase of a fund product planning methods .
Fund is scheduled to vote is the biggest benefit can average investment costs ,because the investment way is no matter how fluctuations in the market prices are regularly buy a fixed amount of funds when funds ,high net worth, the share buy fewer ;and the decline in net fund ,the share buy more ,is automatically formed on chips ,high reduction bargain price investment .
Over time, the monthly investment diversification can share the cost and risk of the investment cost ,close to the majority of investors the investment cost of the average value .In this case ,the long time effect of compounding will come, not only the safety of capital security, and can make normal do not care about the money in the long-term accumulation into big money .
For example :month investor only in the fund will be operational in 300 yuan investment ,if the investment fund in the future the average yield of 5% ,five years after the investment ,investors can gain money amount to will achieve 20427 yuan .
Even without considering the extension of investment cost factors ,the actual investment returns ratio will reach 13% .In addition ,the fund is scheduled to vote procedure is very convenient .
Current, industrial and Commercial Bank of China ,Bank of communications ,the Construction Bank and Minsheng Bank opened fund will be operational ,and access to lower the threshold, such as industrial and Commercial Bank of China 200 yuan minimum monthly investment plan .
Notice deposit reserve :management of family now bank deposit rate is very low ,Wholesale Earring,a lot of people think the money in the bank is destined to be a trading .But for some prudent financial management savers ,saving is the favourite choice .
Home reserve fund for small amount, not fixed ,at any time from May ,is most people don property .Bank deposit appearance will change this situation .The bank is one day notice deposit or seven day notice deposit .
The seven day notice deposit interest rate is 1.62% ,is 0.72% of the current deposit interest rate 2.25 times .For example ,in 500000 yuan for seven days notice deposit ,held three months later, with a 1.
62% interest rate calculation ,interest income is 2025 yuan ,than the current deposit interest income ( $900 ) is higher than the 1125 yuan ;the deduction of interest tax, notice deposit income is still higher than the current one in 80% .
Of course ,the use of seven - day notice deposit also need to pay attention to, if investors in bank issued a notice to withdraw under seven days to draw, the draw portion of the interest in accordance with the current deposit interest rate calculation ;a withdrawal notice withdraw overdue ,dispenses part also according to demand deposits interest rate; withdrawal amount less than or more than the agreed amount ,deficiency or excess part according to the current deposit interest rate; the amount paid less than the minimum amount of the drawings ,according to the current deposit interest rate; a withdrawal notice without drawing or in the period of notice notice of cancellation ,notification period without interest .
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