How To Invest In All Kinds Of Financial Products After Cutting Interest Rates

Interest rate liberalization continues to advance. The ceiling of deposit interest rate has increased to 1.3 times from 1.2 times of the benchmark interest rate.

After the interest rate cut, banks have adjusted their deposit rates. "The central bank has cut interest rates and I raise interest rates" has become a new slogan for some banks to attract deposits.

After the interest rate cut, the deposit interest rate ceiling expanded, so that the interest rates of banks were further different.

Current interest rates currently have 0.35%, 0.385%, 0.42% and 0.455% four levels, one year.

There are 2.75%, 2.78%, 2.9%, 3% and 3.25% five species, with a 0.5% difference between the highest and the lowest. This means that 100 thousand yuan is kept for one year, and the interest rate that the depositors get at different banks is the maximum difference of 500 yuan.

In addition, some banks have threshold restrictions on higher interest rates, such as 10 thousand yuan or 50 thousand yuan.

Comment: in all kinds of financial management, deposits are undoubtedly the most stable and safe, and it is easier to cash in hurry, which is suitable for the elderly with poor risk tolerance.

It is recommended that depositors make more comparisons to banks when they deposit money.

Generally speaking, the central bank cut interest rates, the market will be relatively adequate funds, the yield of bank financial products will decline.

However, after the interest rate cut, the yield of financial products has not declined immediately. This is because many bank financing products are invested in bills and bonds, and these investors will not immediately lose their earnings.

However, in the long run, the yield of financial products will still be gradually downward.

At present, the market generally forecasts 2015.

To maintain relatively relaxed, and the possibility of interest rate cuts during the year, the earnings trend of financial products will gradually decline. Therefore, it is recommended that investors choose medium and long term high-yield products to reduce the risk of reinvestment.

Comment: unlike deposits, financial products have the possibility of lower than expected rate of return, especially structured financial products linked to stock, index and commodity prices, so they are only suitable for investors who can withstand certain risks.

P2P net loan products attracted more and more investors' attention since last year because of high yield. However, with the continuous interest rate cut by the central bank, some P2P platforms began to move along with the market, reducing the yield.

By the end of the year, the industry's comprehensive return will fall to 12%-13%.

Comment: high yield does not become a standard for choosing a P2P platform. Mature investors should choose their own platforms or products according to their own risk preferences.

This year's first voucher will be on sale in March 10th.

With the two interest rate cut last year and this year, the interest rate of credential bonds has also been reduced.

The three - and five - year interest rates were down by 8 and 9 basis points respectively.

Comment: however, compared with the current bank deposit rate, the interest rate level of the current treasury bonds still has certain advantages.

After the central bank cut interest rates, the high threshold trust products have also been affected.

It is understood that 1 million yuan of trust products, the income is basically around 9.5%-10% level, and now it is at 9%-9.5% level.

For investment, especially the less prosperous real estate related trust, the risk may increase, but the income will also decrease.

Comment: trust products are less risky than Internet financial products, and the attraction of customers with larger capital volume is still strong.

Some analysts believe that the rate cut may bring the stock market and bond market double bull market, but the trust sales fever will not cool down.

Although the interest rate cut, but the market's IMF earnings did not fall sharply.

Take the balance treasure as an example, February 17th is the most tense time for the gold front of the festival, when the balance treasure 7 days annualized yield is 4.513%.

After the holiday, the yield of the balance treasure did not decrease significantly. As of March, 3 daily 4.486%, the average yield of the balance treasure in the past 1 months was 4.419%.

Comments: institutions recommend investors to pay close attention to the recent performance of relatively stable, moderate asset size, and bond assets and bank agreement deposits, asset allocation is more balanced Monetary Fund.