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cbrCbr..>< c=>How to choose products for small online financial management platforms
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c=r>cbrCbr ..>< c=>Zhongxinjinfu
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c=r> cbrCbr..>< c= Song Dynasty>Zhongxin Financial Services (.c< c= Song Dynasty>) is the earliest second-hand car financial service technology platform in China. It is an online loan platform independently developed by Zongxin, providing safe, accurate and efficient online financial services. We are committed to building a bridge for fund allocation between investors and borrowers, and bringing high-quality financial services to the public. Combining traditional financial services with Internet technology, we explore a new Internet financial development model. With professional and mature auto financial services and good credit data records, Utrust Financial Auto Financial Services ranks first in the Northeast market in terms of transaction volume
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c=r> cbrCbr..>< c=> Is it better to choose long-term or short-term investment and financial products for small amounts? When purchasing financial products, you must first cross the initial investment threshold, then examine the rate of return, and of course choose the investment period. Many investors ask the editor: Are financial products invested in the long term or the short term? This issue needs to be discussed in categories, including bank financial management, treasury bonds, gold, < c=>, and different financial products have different maturity selection methods. Once the wrong maturity is selected, the income may be greatly reduced.
c=r> cbrCbr..>< c=> Bank financial management: Many popular short-term products do not guarantee principal, and the treasury bond < c=> has a maturity period better than < c=Cbr> < c=> years Period
c=r> cbrCbr..>< c=> The term of bank financial products is often related to the starting investment amount, risk, and rate of return. Among the bank financial products monitored by the editor, among the bank financial products with an investment period of less than < c=Cbr>< c=> months, the most popular ones are < c=Cbr>< c=>The yield rate of the products is concentrated between < c=Cbr>%.%< c=>. Among them, < c=Cbr>< c=> does not guarantee capital, and < c=Cbr>< c=> comes from Five elements.
c=r> cbrCbr..>< c=> As for bank financial products with an investment period of < c=> more than three months, the most popular ones are < c=Cbr>< c=> The product yield rate is as low as < c=Cbr>.%< c=> and as high as < c=Cbr>.%< c=>. The difference is quite large. Among them, < c=Cbr>< c=> is not the same. With capital preservation, none of them come from the five major banks, and most of them come from city commercial banks. Among the above-mentioned products, except for a capital-guaranteed product of Minsheng Bank whose income is lower than < c=Cbr>%< c=>, the income of the other products is basically around < c=Cbr>%< c=>. The editor believes that this is because compared to large state-owned banks, city commercial banks are more willing to absorb large amounts of funds, so they are willing to provide higher term premiums for long-term financial products. However, this is a limitation for investors because they cannot buy if they are not local.
c=r> cbrCbr..>< c=> The editor believes that when purchasing bank financial products, you need to compare horizontally with multiple banks. Risk-preferring investors can try high-threshold short-term non-principal-guaranteed financial products& Make quick money&r and use high returns to offset the expenses incurred by multiple investments. Risk-averse investors can invest in medium- and long-term capital-guaranteed financial products to avoid capital standstill while ensuring safety. Of course, beware of "flying orders".
c=r> cbrCbr..>< c=> The maturity issue of national debt is relatively simple: generally speaking, the term of < c=> is better than that of < c=Cbr>< c=> annual. In recent years, the yield on government bonds has fallen again and again. The treasury bonds issued on the same day< c=Cbr>< c=> and the maturity and The interest rates for the period c=Cbr>< c=> are < c=Cbr>.%< c=> and < c=Cbr>.%< c=> respectively. The editor believes that under the background that interest rates will still be in a downward trend, choosing < c=Cbr>< c=> term can lock in high returns in advance. Of course, for investors with special requirements for flexibility, < c=Cbr>< c=> 1-year treasury bonds are also a good choice.
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cbrCbr..>< c=>Short-term small amount financial products
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c= r> cbrCbr..>< c=> Many friends told the editor that they did not dare to vote for < c=>year, < c=Cbr>< c=>year< c=Cbr>< c = > Long bid, I’m afraid < c=Cbr> < c= > The life of the platform is not as long as the period of the long bid.
c=r> cbrCbr..>< c=> However, long-term bids also have advantages: to avoid multiple fund operations that lead to funds standing guard and handling fees, the rate of return is often higher. The editor would like to give a special reminder: The income distribution method of many long-term contracts is "equal monthly principal and interest", which generates a certain amount of repayment every month. Investors need to invest the income in the account in a timely manner and continuously roll out compound interest to achieve the goal. expected rate of return.
c=r> cbrCbr..>< c=> < c=> Short bids generally do not have the trouble of re-investment, and generally the principal and interest will be repaid in one go after maturity. Although short-term bids allow funds to be settled quickly, I believe that friends who have invested in < c=Cbr>< c=> all know that the yield rate of short-term bids is low and the threshold is high, which can reach millions. .
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cbrCbr..>< c=> Funds and futures: avoid fund fixed investment If you are stupid, long-term investment in futures is more secure
c=r> cbrCbr..>< c=> & The so-called fixed investment is to allocate the cost of your stupidity to various points. Just like the idiot protagonist in Forrest Gump, if you don’t think too much and keep running, you will eventually be able to defeat everything. &rThis sentence talks about fixed investment in funds.
c=r> cbrCbr..>< c=> Funds and futures have one major characteristic: they are difficult to figure out. Even if you have professional knowledge and rich experience, there are still a hundred ways to compensate you. When people in the industry shared their experiences, almost all of them mentioned keywords such as human nature and greed, which shows the impact of subjective operations on profits and losses. Long-term investment can avoid frequent operations and reduce losses caused by wrong judgments and impulsive buying and selling.
c=r> cbrCbr..>< c=> The editor believes that the key to fund fixed investment is to choose the fund and the amount of fixed investment. As for the term, if no major risk events occur, investors will have stable income. Under the premise of certain risk tolerance, the longer the investment time, the better. At present, the futures market is still at a low level, which is a good opportunity to enter the market. Investors may wish to allocate a small amount and be bullish in the long term.
c=r> cbrCbr..>< c=> Gold and stocks: the length of the term is a cloud, but a sensitive sense of smell is important
c=r> cbrCbr..>< c=> Gold avoids risks and stocks chase risks. Although they seem to be completely opposite, they can find one thing in common on the issue of deadlines: deadlines are not important, timing is. In other words, the income from gold buying and stock trading is less affected by the length of the term and more affected by the timing of buying and selling.
c=r> cbrCbr..>< c=> From Brexit to the US election, < c=> If you don’t invest in gold, you will be embarrassed to say that you like financial management. The editor believes that it is too early to buy gold at the moment, but on the eve of the results of the US election in < c=Cbr>< c=>, you might as well buy gold and wait for the rise.
c=r> cbrCbr..>< c=> &The historical returns of stocks and gold in the past< c=Cbr>< c=> years: Assumption< c=Cbr>< c= Before the year, < c=Cbr>< c=> ten thousand dollars were invested in stocks and gold respectively. After < c=Cbr>< c=> years, < c=Cbr>< c=> were invested in stocks. >Ten thousand U.S. dollars will become< c=Cbr>< c=> billion U.S. dollars invested in gold< c=Cbr>< c=>Ten thousand U.S. dollars is equivalent to< c=Cbr>< c=>ten thousand< c= Cbr>< c=>Thousand dollars. &rThis example is cited to illustrate that investing in stocks and investing in gold have completely different meanings: you may make a lot of money by investing in stocks, or you may lose everything, but no matter how good gold is speculated, the income will hardly be comparable to that of stocks, because gold investment The biggest significance is to preserve value.
c=r> cbrCbr..>< c=> Speaking of stock trading, the editor has previously introduced the quotation repurchase business of securities companies. Such products have low returns, low risks, and strong flexibility. It is called "Yue Bao" for investors. Investors may wish to give it a try. .c/r
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