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Three Channel Layout "51" Financial Management

2011/4/27 11:36:00 32

Financial Income Holiday Finance Listed Company

"It will be on May 1 soon. What good products can be generated from money?

Annual yield is above 4%. "

Reporters yesterday visited several bank outlets in Changsha and found that small holidays are coming soon, and many are pursuing short-term.

Financial income

Citizens began to take the initiative to find "safe haven" for holiday funds.

This week is the last trading week before May 1.

Listed company

The last week of the annual report and quarterly disclosure.

Before the "May 1" comes, in addition to focusing on the news of listed companies, and laying a good record of ending the war in April, what financial channels do financial families need to pay attention to to meet the coming of May 1?

During the small holiday period, the stock market and other two level investment markets have been closed for 3 days. In order to avoid the idle funds lying in the accounts, banks' short-term financial products and unfixed financial products are worth a try.

The public may plan ahead.

Channel one

Currency funds should be pferred 28 days ago.

Because the proceeds are more secure and the rate of return is higher than the current period, monetary fund will become a capital pfer station for investors and investors whenever the holidays come.

But fund companies often suspend the purchase and conversion of the fund's investors in the two working days before the holiday.

For example, yesterday, Hai Fu Tong currency A announced that, from April 28, 2011 onwards, suspend (large) purchase, conversion, conversion, redemption, conversion and regular investment.

It is suggested that if the public wants to hold a small holiday on labor day, they must complete the purchase, conversion or fixed investment before the 28 day goods base closes.

Channel two

May 1 version of the short-term financial products will be available.

In line with the trend of short-term financial products, some banks have launched short-term financial products specifically for the May 1 holiday.

For example, Xingyi bank, Shanghai Pudong Development Bank and Bank of China have all the short-term financial products of the May 1st editions, and the annual yield is about 4.5%.

Reporters learned that these are the occasional ones.

Holiday financing

Products will normally be sold on the first few days before the holidays, and the amount can be purchased within 30 days. It will be able to return the principal and income in the early morning of May 4th, and will not affect the use of post holiday funds.

The public can go to the bank counter for consultation.

It should be reminded that when buying short-term financial products, the public should pay attention to the time of redemption, the time of redemption and the cost of redemption, so as not to delay the use of funds.

Generally, the cost of ultra short term financial products is relatively low, but some banks have set up subscription and redemption fees on a pro rata basis.

In addition, some products have set limits on redemption. If the time limit is not met, banks will charge a certain percentage of redemption fees.

Qu Dao San

Notice deposit takes account of income and cash withdrawal.

For people with uncertain holiday funds, it may be the best choice to make advance notice deposit.

Reporters learned that after the central bank raised interest rates in April 6th, the interest rate of the bank's notice deposits was correspondingly raised.

For example, the annual interest rate for the 7 day notice deposit is 1.49%, and the annual interest rate for the 1 day notice deposit is 0.95%, which is 2 times higher than the current deposit interest rate and 1 times higher than the current deposit rate.

The "7 day notice deposit" business is very suitable for long holidays. If the customer handled the "7 day notice deposit" business at the bank counter in April 29th, the withdrawal of funds after the end of the holiday would not affect the use of funds after the holiday.