End of the year awards, for every employee, it is a reward for hard work over the past year, is a recognition of self, is an annual look ... ... the more the better. Holding more or less the end of the year award, how consumption, or increase the value? We will interview financial experts from various quarters, through a series of reports, provide savings by year-end awards, purchase funds, financial products, financial products and insurance advice.
end of the year award no more than 50,000 yuan
save more eye-
Chen two years just to work hand-end awards this year, about 3.5 million. Financial planners believe that this year-end awards like Miss Chen no more than 5 million people choose to eat the interest on money in the bank. However, as China has entered the rate hike cycle, the possibility of future interest rates several times larger, the public do not exceed one year fixed deposit period is appropriate. So that once again raise interest rates, deposits can be stored and after the expiration enjoy the new interest rates. In addition, the single deposit amount not too much, can be split. For example, deposit 30000, 10000 can be divided into two pens, two pen 5000 can also be equal to three months, six months, one year certificates of deposit, such as different period. This is necessary, you can book one of them early withdrawal, the other can have the deposit certificate of deposit interest.
end of the year awards 50,000 -10 million purchase of financial products
outperform CPI
the threshold of financial products is 5 million. If the end of the year award in the 5 million -10 million, purchase of financial products is a good choice. CCB Financial Planner, Ms. Shen said, the current demand deposit interest rate was 0.36%, after raising interest rates twice last year after the end of six months fixed deposit interest rate of 2.50%, 2.75% a year, two years of 3.55%, 4.15% for three years, or not free from the reality of negative interest rates, the money in the bank means wealth. Not only benefits the banks financial products can beat the CPI, most of the products of the risks are low. According to Bank Rate
network information collected, the current Beijing banks in the sale of financial products are expected to yield higher than the same period a large portion of savings. Many products of the expected robust annualized rate of return of more than 4%. For example, Shenzhen Development Bank (000001 stock bar, market, information, the main trading) Happy Year of China Merchants Bank - safe return of RMB 124 financial plan, 10 million, the 37 Natural Forest Protection Program of the expected annualized rate of return of 4%.
ultra short-term financial products
end of the year award idle. Currently, the 10 million of funds, 7 days a current yield of 10 million �� 0.36% �� 360 �� 7 = 7 yuan; if kept , which is 3.75 times the former.
Bank for New Year new ultra-short-term financial products, current savings rate of return equivalent to 8-10 times more than 7 days notice deposit is also more than a double. For example, the Construction Bank (601,939 shares of it, prices, information, the main trading) 3 2011 Bank of China (601988 stock bar, market, information, the main trading)
need to be reminded that the expected rate of return investors can not only look to select products, must carefully read the product before purchasing, and contract specifications. Higher yields now on the market products are generally not robust security benefits of the floating type. Although past experience, very few of these products can not deliver the expected return, but in theory the risk is lower than expected return preservation products. In addition, banks generally only Redemption financial products, such as deposits that can not be paid in advance, less liquid. Bank rate network analyst recommendations, for a rate hike and liquidity considerations, to select the current short-term financial products.
generous year-end awards to participate in structured financial products
large enterprises in a well-known as a department manager, Mr. Chang, year-end awards of up to several hundred thousand dollars. This strength in the care of the investors have more choices when the end of the year award. In addition to sound-based financial products, but also on the market according to their own judgments, to use some of the structural funds in riskier financial products. Standard Chartered China
Liang Dawei, general manager of wealth management, said the rate hike cycle, investors can also consider the investment period stretched to time for space. If you can accept the appropriate liquidity risk, and the view of the market and the actual trend line, then the seemingly long period of financial products can also be reached in a relatively short period of time early termination conditions, bring a satisfactory return on investment . Last year, Standard Chartered has 11 models Guaranteed period of structured financial products are originally designed for up to 5 years, but because of the trigger conditions for early termination, the actual running time is only one month to one year, of which 4 reached 10 years of earnings %, the rest of the products have greatly outperformed the year's inflation. Non-guaranteed products, structured notes last year, early termination of paragraph 31, although the design of many products in about a year period, but most are running 2 months or so to trigger an early termination, and 10% to investors to 22% of annualized revenue. It should be noted that most of these products are linked to Hong Kong stock index fund, or the performance of oil-related.
comprehensive year-end awards to be considered early repayment
many slightly.
ICBC manager of a loan-to-center client Mr. Chen suggested that in the context of the current tightening of mortgage, early repayment must be another look. Chen pointed out that if the borrower is no other investment channels and determine the period of time there will be no loans are intended, to early repayment, reduce the interest burden. But now mortgage rates are not favorable, approving more and more strict, the original to enjoy the 7 fold, 85 discount if buyers think about to buy a house, not only did not get a low interest rate policy will also go up because the two suites 10%. Therefore, the first suite of borrowers can not repay in advance, while in the hands of idle funds for other investments, investment income offset by interest on loans.
Financial Review
in the CPI rise, the stock market downturn in market conditions, the the end of the year award into the bank is a good choice. However, what is stored as time deposits, or the purchase of financial products, or ahead of the mortgage and it requires specific analysis based on the actual situation of individuals.
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