1. Generally speaking, the longer the term, the higher the bank's wealth management income. Moreover, the collection period of wealth management products is long, and the short-term wealth management cycle is purchased, and the actual rate of return is also discounted.
The picture above shows several wealth management products sold by ICBC. It can be clearly seen that the longer the product term, the higher the expected rate of return. When buying a bank to manage money, there is one thing that needs to be reminded to pay special attention to, that is, the fundraising period. The collection period of most bank wealth management products is 7 days. During this period, interest is calculated according to the bank deposit rate (0.3%-0.35%). If you buy short-term financial management in cycles, the actual rate of return will be greatly reduced because you enjoy the financial benefits for a short time. For example, if you buy 1 month's wealth management products in a cycle, you can only buy 10 times a year, which means that you can only enjoy 10 month's wealth management benefits considering the 7-day fundraising period and the time for selecting products. Compared with the purchase of 1 year wealth management products, not only the income is low, but also the income of two months is lost, which is very uneconomical.
2. At present, China is in the economic downturn cycle, and there is little pressure for RMB depreciation, so it is extremely unlikely that the central bank will raise interest rates. When buying a bank to manage money, it is also very important, that is, what is the future interest rate trend. If it is in the interest rate hike cycle, short-term products are relatively more advantageous than long-term products; If it is in the interest rate reduction cycle, long-term products have more advantages than short-term products.
When the central bank decides whether to raise interest rates, on the one hand, it should consider the domestic economic situation, on the other hand, it should consider the monetary policy of major international economies and the trend of RMB exchange rate. At present, China's economy is still in the downward cycle, and steady growth is the priority goal. Raising interest rates will further slow down economic growth, which is obviously beyond the choice of the central bank. In addition, since the beginning of this year, the exchange rate of the US dollar against the offshore RMB has depreciated by 1.7 1%, which means that the RMB has appreciated instead of the sharp depreciation last year.
With the global economic growth slowing down and the Fed slowing down the pace of raising interest rates, the pressure of RMB depreciation is very small, and the central bank has no incentive to raise interest rates. From this analysis, in 20 19, it is extremely unlikely that the Bank of China will raise interest rates, the monetary policy is relatively loose, and the market interest rate is expected to further decline. This also means that with the passage of time, the yield of short-term wealth management products may decline.
3. The current and future cash flow of individuals or families and whether there are low-cost sources of liabilities are the key factors in financial decision-making. In addition to the characteristics of wealth management products and the trend of interest rates, the key factor affecting financial decision-making is the financial situation of individuals or families. If a sum of money must be spent after 1 month, then you can only buy 1 month's short-term financial management, so it doesn't matter whether you buy short-term or long-term.
One thing needs to be reminded: in the process of investment and financial management, we should learn to use liabilities reasonably. Suppose that a sum of money may be used in the future 1 year, and it will only take a few days. At this time, it depends on whether you have the credit line of bank credit loan and whether the purchased wealth management can be pledged or supported for transfer. In other words, when you need money, there is no place to borrow it. If so, you can buy long-term financial management with confidence and boldness to get higher returns. Because it doesn't cost much interest to borrow money for a few days, it is definitely more cost-effective to buy long-term financial management.
To sum up, consider the following two points:
Therefore, it is suggested that when purchasing bank wealth management, long-term wealth management products should be given priority according to the current and future cash flow of individuals or families and whether there are low-cost debt sources.
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Buying a bank's wealth management products really needs comprehensive consideration in many aspects to maximize the income as much as possible. So, what factors need to be considered when buying bank financing?
First, the central bank's interest rate policy: This can be said to be the most important factor to consider when buying bank wealth management products, because the change of the central bank's interest rate will directly affect whether your periodic allocation of wealth management products is reasonable. For example, if you make a three-year time deposit now and the central bank raises interest rates one year later, then your three-year time deposit will be a bit of a loss.
Personally, from the current economic situation, it is unlikely that the central bank will raise interest rates on 20 19, and it is possible to cut interest rates. Therefore, judging from the interest rate policy of the central bank, it is more cost-effective to make medium and long-term deposits or buy government bonds now!
Second, personal mobility: for most of us ordinary people, we basically rely on wages to save some money, and the expenses of the whole family may depend on this money. Therefore, if you don't have any extra financial resources except salary, you'd better make a short-term and medium-and long-term financial management product when doing financial management, which can not only ensure the daily emergency needs, but also maximize the interest.
Third, the type of wealth management products: if you buy a bank's equity fund, then you should consider where the stock market is at present, whether it has bottomed out or there is room for further correction; If you buy monetary or bond funds, you should consider the change of the central bank's interest rate; If you buy short-term high-interest wealth management, which generally flows into real estate, then you should consider the future direction of real estate. ......
Generally speaking, different financial products need to consider different factors.
In reality, the term of bank wealth management products ranges from a few days to dozens of days. Many people always have doubts about buying long-term or short-term, and don't know how to choose. Should banks buy long-term or short-term wealth management products?
Is there a transfer platform? As we all know, for regular wealth management products, early redemption is not allowed before maturity. No matter how anxious you are, whether you are willing to sacrifice your income or not, there is no way in advance. In this case, it is risky to buy long-term wealth management products, because no one can predict the future situation, so without the transfer function, I suggest that it is better to choose short-term (within six months) wealth management products.
However, if the wealth management products issued by banks have the function of rollover, then I would suggest that you choose long-term wealth management products. The longer the term, the higher the rate of return. This is a knowledge; Second, it has the transfer function, which greatly enhances the liquidity of funds, and once needed, funds can be realized at any time.
Sufficient funds The above methods are mainly aimed at people with insufficient funds. If you have sufficient personal funds (not much, 50,000 yuan or100,000 yuan), then you can choose the wrong allocation. 20 18 in may, after the new asset management regulations came into effect, many banks began to implement wealth management products with a starting point of 1 10,000 yuan. So, you have 50,000 yuan to mismatch five terms, and you have 100,000 yuan to mismatch10 terms. Basically, wealth management products expire once every two months, which greatly improves liquidity.
Open-ended financial products Open-ended financial products are also called current financial products, commonly known as T+0 financial products, that is, financial products that can be redeemed at any time. However, this product is not issued by every bank at present. You can consult a bank in official website or your local big bank. The yield of wealth management products that can be redeemed at any time will be slightly lower than that of regular wealth management, but the liquidity will be greatly improved.
I don't think there is anything to worry about. Now the threshold of wealth management products has been lowered, and you can buy it for 10 thousand yuan. If the funds are above 30,000, it is good to hold a certain proportion according to the length of idle time of the funds.
If you have to choose one of the three, then choose the period. If you can be sure that this fund will not be used in 2-3 years, then choose long term. Why? Generally speaking, the longer the financial management time, the higher the rate of return in the short to medium term. Under the current monetary easing policy, the deposit interest rate and wealth management yield are both declining, and the current yield should still be relatively high in the future. /kloc-wealth management with a yield of more than 4% in 0/9 has disappeared this year, and it is estimated that there will be no more in the future.
However, I want to remind you that bank financing does not promise to protect capital. In fact, low-risk financial management is indeed a loss. Therefore, investment is risky. If you are a risk-averse person, it is safest to buy a money fund, and it is no problem to outperform the current interest rate.
There is no specific standard for the short-term suitability of bank financing investment or the long-term suitability of investment, and it cannot be proved that short-term is better than long-term and long-term is better than short-term. To combine your own actual situation and conditions, only the background that suits you is the most suitable. So, what factors do investment banks need to consider in financial management?
First, bank financing is risky, depending on the choice of demand. When I heard about bank financing, I thought that the risk of all bank financing was the same, but it was not. Bank financing divides risks into five levels: R 1 (cautious), R2 (steady), R3 (balanced), R4 (radical) and R5 (radical). Of course, these five levels of risk are very different. R 1 is a common low-risk financial investment product. The main investment channels are low-risk investments such as treasury bonds, reverse repurchase, insurance financing, large deposit certificates and bank financing, and the annualized rate of return at this stage is between 3% and 4.5%.
R2 is a common low-risk financial product, and it is also the mainstream financial product of market banks. It mainly invests in low-risk and low-risk products such as treasury bonds, reverse repurchase, insurance wealth management, deposit certificates, bank wealth management, money funds and trusts. The current annualized rate of return is between 3.5% and 5.5%;
R3, a common medium-risk wealth management product, adds corporate bonds to R2 investment products, and can also invest in a certain proportion of stocks, commodities and foreign exchange. And the proportion of funds invested in high-volatility investments is less than 30%. Because of high volatility investment products, the principal may be damaged to a certain extent, and the principal will not be guaranteed;
R4 level, a common wealth management product with medium and high risk level. Except for the investable products with R3 rating, the proportion of funds invested in high-volatility products can exceed 30%.
R5 is a high-risk financial product. There are no investment restrictions, and even leverage, grading and derivatives can be used for investment, with high income uncertainty.
Therefore, it is very important to recognize the risk level of bank financing, and different banks have different maturities, some products have long maturities, and some products have short maturities. The important choice is not only the choice of risk level, but also the corresponding time limit.
Second, it is appropriate to invest in your own background conditions. What are the advantages of short-term financial management? The annualized interest rate is higher than the bank's interest rate for the same period, which is flexible. What are the advantages of long-term financial management? The annualized interest rate is higher than the short-term annualized interest rate, but the disadvantage is that it is very inflexible. Therefore, these factors need to be considered comprehensively in the investment process.
If the funds are sufficient, long-term financial management and short-term financial management can be reasonably matched, which can not only meet the high demand for annualized interest rate of long-term financial management, but also meet the flexibility of short-term funds.
For example, 6,543,800 yuan can be used for wealth management, 50,000 yuan can be used for long-term bank low-risk wealth management, and the annualized interest rate for 360-day and 270-day maturities can reach 4.5% or even 5%. What about the other 50 thousand yuan? There may be short-term capital demand, so 30,000 yuan is used for medium-term financial management, 65,438+080 days and 90 days for low-risk financial management, and the remaining 20,000 yuan can be used for short-term flexible financial management. 30-day term and money fund management, smart deposit and smart withdrawal. Then, this kind of financial management can not only meet the possible short-term capital demand, but also meet the demand of high interest rate. Although the annualized interest rate can't be maximized, it has been raised on the average. This kind of financial management is more reasonable for investors.
Financial management, the factor to be considered is nothing more than the use of funds, and then the rational allocation of investment and financial management. The highest annualized interest rate is not necessarily the best, but it is the best choice when it needs to meet its own needs. It can not only meet the needs of daily funds and emergency funds, but also meet the long-term high interest income.
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Generally speaking, the longer the maturity of bank wealth management products, the higher the yield. However, this is not an iron law, because there is no phenomenon of "upside down" in bank financing.
Choose short-term or long-term wealth management products? I believe many people think that the longer you buy wealth management products, the greater the income. In fact, the term is not the only consideration when choosing wealth management products.
Usually, the time limit for choosing bank wealth management products mainly depends on the following two factors:
First of all, it is necessary to consider the short-term liquidity demand or other uses of funds;
Secondly, we need to consider the domestic economic environment, especially the direction of monetary policy, and whether there are channels to raise interest rates or cut interest rates in the future. For example, in 20 19 1 October 4,65438+the central bank announced the RRR cut1percentage point, the bank loanable funds increased, and the first home loan interest rates of many banks in various places showed obvious signs of loosening. At the same time, the market yields of bank wealth management products and money market funds are facing downward pressure.
According to the above two items, if there is no other capital demand in the short term, you should choose medium and long-term wealth management products under the interest rate reduction channel. For example, now is the time to consider buying medium and long-term products. Because interest rate cuts will lead to a continuous decline in the income of wealth management products, while the income of medium and long-term wealth management products will be locked in the rate of return during the existence of wealth management products and will not be adjusted because of interest rate cuts.
Obviously, locking in high returns in advance can avoid the loss caused by idle funds after the expiration of short-term wealth management products. And vice versa!
# No.1 Big Winner | Second Season of Financial Competition # First of all, the financial management under the new asset management regulations depends on the risk first and then the length of time. Different wealth management products have different investment targets and different risk levels. For example, structured products linked to stocks, bonds, foreign exchange, gold and indexes have different risks. Wealth management products are also divided into five grades from low to high: R 1, R2, R3, R4 and R5. Investors should accept the risk tolerance test of banks and buy financial products with corresponding risk levels according to their own risk tolerance.
Secondly, the length of time to choose wealth management products has its own advantages and disadvantages. The advantage of short-term financial management is strong capital turnover, which is more suitable for business people. Its disadvantage is that the short-term financial management income is low. Except for a few cases where the interest rate of wealth management is upside down, the longer the term of the same type of wealth management products in the same period as the bank, the higher the income; Moreover, the feeding period will also affect the income. Whether it is a long-term or short-term wealth management product, the average fundraising period is about 7 days. If the product term is short, it will lower the actual income of the product.
Finally, when buying wealth management, you should also combine your own comprehensive situation to buy it. For example, we must first look at our own demand for funds and personal demand for cash, which determines the time limit for purchasing bank wealth management products. For example, if you need this money after half a year, naturally you can't buy products with a term of more than half a year. Secondly, it depends on the current interest rate environment. In short, if the central bank has the expectation of raising interest rates and buys short-term and medium-term wealth management products, the yield of wealth management products sold by banks may be higher after raising interest rates; If you expect to cut interest rates, you should buy medium and long-term wealth management products and lock in high returns in advance. From the current background, deleveraging has come to an end and monetary policy tends to be loose. From this perspective, if the customer's funds are not used for the time being, medium and long-term wealth management products will be more suitable.
The short-term income of bank financing is certainly not as high as the long-term income. The following factors should be considered here.
1. The central bank's monetary policy in 20 19 was lowered twice before the Spring Festival in 20 19. Judging from the current situation, it is very likely that the central bank will cut interest rates again in 20 19. If the central bank cuts interest rates, for bank wealth management products, the income will definitely decrease a lot. So from this point of view, I prefer 20 19 short-term banks!
2, the actual situation of the individual! If an individual has some spare money, he won't need it for three to five years. Then you can certainly consider some long-term financial products. In Jingdong Finance, the five-year deposit wealth management income of some bank wealth management products is 5.45%, which belongs to a fairly high level of wealth management products. Even if the interest rate is lowered, this income will not change much, because it is locked in advance.
Of course, if the money is likely to be used, you can still consider some short-term products of Tencent Wealth Management. The income of these products can also reach about 4%. It is quite high in short-term financial management.
3. Banking activities! Now banks often launch some promotional activities in order to pull deposits. For example, not long ago, a bank deposited 5000 yuan for suitcases. Some of these products are short-term and some are long-term. Consult the local bank or go to the online bank to find out.
Personally, I think the benefits of long-term financial management must be higher than the short-term benefits! If you are not in a hurry to use money, you can consider the bank's long-term wealth management products!
Recently, some netizens suggested that it is better to buy bank wealth management products in the short term or in the long term. In this regard, experts believe that it depends on whether you want to use the money in the short term. If it is possible to use the money in the short term, don't buy long-term wealth management products. However, if there is no demand for the use of this fund in the short term, it is still recommended to buy bank wealth management products with a term of more than 1 year, because the interest rate will be slightly higher.
In fact, bank financing divides risks into five levels: R 1 (cautious), R2 (steady), R3 (balanced), R4 (enterprising) and R5 (enterprising). Of course, these five levels of risk are very different. Generally, it is below R2 (robust) level, with low risk and low yield. However, above the R2 level, if the investment in corporate bonds and equity funds increases to a certain proportion, the principal may be affected and cannot be fully guaranteed. The income above R2 is higher, but the risk is also great.
And the bank's financial management is to buy short-term or long-term Our opinion is that if you don't use the money for a short time, you might as well buy it for a long time. This is mainly due to the following reasons: First, the longer the term, the higher the bank's financial yield. Moreover, the collection period of wealth management products is long. If short-term wealth management products are purchased periodically, the actual rate of return will be discounted.
For example, Ms. Wang has 65,438+million cash and wants to buy a 3-month bank wealth management product. The bank gives her an annualized rate of return of 3.5%, but the bank wealth management products have a 7-day fundraising period, during which interest is calculated according to the deposit interest rate. Therefore, if you buy a short-term financial management cycle, the actual rate of return will be greatly reduced because you enjoy the financial benefits for a short time. On the contrary, if Ms. Wang buys 360-day or 270-day bank wealth management products, she can go through less fundraising period and get more income.
Second, with the slowdown of global economic growth and repeated interest rate cuts by the Federal Reserve, it is unlikely that the Bank of China will raise interest rates. After entering 20 19, domestic monetary policy was fully relaxed. Although it was not flooded, the Bank of China also implemented a loose monetary policy. In the case of abundant funds in the money market, the overall yield of bank wealth management products declined. Therefore, buying 360-day or 270-day bank wealth management products can lock in the yield.
Third, in real life, for investors, no one knows when they need money urgently, but they don't want to lose the high income from enjoying bank wealth management products. Therefore, we suggest that Ms. Wang in the previous case can use 50,000 yuan for 360 days and 270 days of medium-risk financial management when using 6.5438+10,000 yuan for financial management, and the average annualized rate of return is above 4%.
In addition, 30,000 yuan is used for 180 and 90 days of medium-term financial management, and the remaining 20,000 yuan can be used for 30 days of short-term financial management. This kind of property management can not only meet the short-term capital demand, but also meet the high-yield demand. Although the annualized income cannot be maximized, such financial management has improved on the average. This kind of financial management is more suitable for small and medium-sized investors who have little funds and may be in urgent need of money.
Wealth management products are mainly considered from three aspects: yield, safety factor and liquidity. In fact, whether to invest in long-term products or short-term products is determined according to personal factors. Theoretically, the longer the closed period, the higher the yield of wealth management products, so only considering the yield, long-term products are dominant.
But long-term products also have their own shortcomings, that is, poor liquidity. When money is urgently needed, many wealth management products cannot be withdrawn in advance. Therefore, when investing in long-term products, we must consider the liquidity of funds, whether it can be idle for a long time, or choose products with transfer platforms.
When we choose wealth management products, the orientation of monetary policy is also a question we should examine, and whether there will be policy changes in raising interest rates or lowering interest rates in the future. If you raise interest rates, you will naturally invest in short-term products. If you cut interest rates, you will invest in long-term products. At present, China is in the stage of economic downturn, the pressure of RMB depreciation is not great, the possibility of raising interest rates by the central bank is very small, and it is feasible to choose long-term products.
In addition, investment in short-term products should consider the issue of raising period and window period. The collection period of general products is seven days, and the return on funds for these seven days is calculated according to the current period. In addition, as we all know, after the maturity of bank wealth management products, there is not necessarily a product that can be directly replaced, and it is necessary to wait for a suitable product, which will make the funds have a window period and affect the rate of return.
So in general, if there are long-term idle funds, it is more cost-effective to invest in long-term wealth management products.
First, make a meaningful plan.
To borrow a sentence from my former boss: "A plan without action is a dream. Action without a plan.<