Achieve formerly civil / beautiful
What yield of remaining sum treasure falls recently is very fierce, the receives remaining sum treasure newly 8 moneys fund after upgrading, change yield 7 days years to fall entirely at present to 4.5% the following, 3.465% what be A of fund of silver China money highestly among them, 3.032% of A of money of income of the cash when be rich.
Although yield of product of other Internet darling also is in,drop, but those who do not have remaining sum treasure to drop is so fierce, after these monetary fund receive remaining sum treasure, have higher demand to stability and fluidity, and cost is relative also taller, although market money rate is done not have,drop so, yield is very possible also after these monetary fund receive remaining sum treasure drop.
Get monetary policy comfortable, market money rate glides influence, what yield of darling of near future Internet drops is a bit miserable. Data shows, last week of Internet darling product change yield 7 days years on average for 3.47% , drop first this year broken 3.5% , 6 weeks drop and achieve the lowermost level since last year April continuously.
Go from this week earnings in light of situation, the 7 probability that drop repeatedly are very big, but suffer market money rate to pick up influence, next week or will greet short-term the sole inside rebounds. But slant as a result of monetary policy Yu Kuansong, so in go for a long time in light of situation, the yield centre of gravity of Internet darling will continue to move.
If the darling yield in the hand drops,defeat 3.5% how to do? Fine fine introduces a few taller than yield of remaining sum treasure current economy to everybody below.
1, yield compares tall darling all the time
At present yield can reach 4% right-and-left darling, yield has calculated be very tall.
Collect buy currency of treasure of abundant ready money newest change yield 7 days years for 4.051% , the people's livelihood of bank of the people's livelihood flexibly the treasure, small money that collects those who buy rich fund to collect the telecommunication that adds telecommunication of treasure of abundant ready money, China to increase small wealth of beneficial treasure, sina puts cash pot to all be opposite received this money fund.
Money of rich nation rich purse is newest change yield 7 days years for 3.947% , the rich purse of Fu Guoji gold, Wo Baifu rich purse of Chinese UniCom, every day the current treasure of fund net all received this money fund.
Currency of economy of easy Fang Dayi is newest change yield 7 days years for 3.978% , the remaining sum that conduct financial transactions of the express treasure of Shanghai bank, wide the Yi Fabao that sends a bank, small letter connects + all received this money fund.
The treasure adding gold of bank of merchant of short for Zhejiang Province (gain golden treasure currency to receiving Yi Fangda) newest change yield 7 days years to be 4.139% , the remaining sum that small letter conduct financial transactions connects + (the butt joint is collected buy currency of rich sum treasure) newest, the current of small numerous bank + (to accepting a nation Jin Zhong wins goods to compare) newest change yield 7 days years for 4.06% .
Above these darling / the yield of monetary fund is before ranking accrual pop chart for a long time 10 darling, yield is stabilized not only and very tall, be worth to buy most. Float of income of some moneys fund is very big, a little while very tall, a little while very low, this kind of circumstance suggests everybody is referenced in long-term yield.
2, conduct financial transactions of bank net value T+0
Conduct financial transactions of the net value of the bank T+0 calls open mode conduct financial transactions again, can at any time explain atone for, carry Zhang can arrive in real time if showing or arrived that day Zhang. Cite the case of a few products: Of the Le Xiangtian day of the Bank of China, agriculture bank pay constantly, the cash of bank of the treasure of the treasure buying interest of industrial and commercial bank, Construction Bank dragon that builds a bank, transportation buys interest the people's livelihood of bank of the court action gold of bank of merchant of 1 date, action, the people's livelihood increases profit every day, .
Basically state-owned bank and major share-holding system bank have such open formula product. Will look at present, the yield of these products is in mostly 3.5% above, compare remaining sum treasure or want a bit taller, but than enclosed the yield of bank conduct financial transactions wants low, high liquidity and high income often cannot hold concurrently.
In addition, buy T+0 bank conduct financial transactions to still have a drawback, it is a doorsill too tall, 50 thousand yuan rise buy, individual product rises 100 thousand yuan even buy. Of course, according to the silver-colored meeting that keep watch, the doorsill of bank conduct financial transactions will fall henceforth reach 10 thousand yuan, although still outclass money fund, but to it before the photograph is more too much than falling, major investor still can accept 10 thousand yuan doorsill.
3, safeguard of individual provide for the aged manages a product
Platform of a lot of Internet has individual provide for the aged to ensure administrative product now, include to pay treasure, small letter, Beijing east finance, small numerous bank, and each are big civilian battalion bank and sell a bank to wait continuously, be differentiated to be under insurance product or fixed product category commonly. The doorsill of this kind of product is lower, the doorsill of current and short-term product is 1000 yuan rise buy, the doorsill of long-term product is 10 thousand yuan rise buy.
At present of current product change yield 7 days years on average to be in 4% the left and right sides, compare monetary fund or want a few taller, the fund of high income money that says with afore-mentioned place is similar.
Trade the mechanism is T+1, workaday 15:00 before buy, the 2nd weekday begins computational accrual, workaday 15:00 before redemptive, the 2nd workaday 24:00 before to Zhang.
Product of management of safeguard of individual provide for the aged is belonged to mostly in low risk or apoplectic danger, and monetary fund all belongs to low risk, former risk summary is a bit taller it is thus clear that, keep this economy with the 2 class of bank conduct financial transactions and 3 class blame about the same.
In addition, the flexibility of product of management of safeguard of short-term individual provide for the aged inside 30 days is taller also, what need an attention nevertheless is, buy this kind of product to often have capital raise period, want to notice to have breath time, can bring about capital to stand sentry otherwise problem.
On the whole, buy individual provide for the aged to ensure administrative product, be inferior to buying fund of money of afore-mentioned high income.
4, innovation deposit
Have not at common time deposit, achieving what new-style deposit points to is the cash management product that rock-bottom asset basically is deposit, those who have a plenty of current, have a plenty of periodic, liquidity is very high, and interest rate wants outclass time deposit. At present each sell bank, civilian battalion bank and platform of partial Internet conduct financial transactions to all have continuously greatly making work.
The near future compares igneous product to basically have 2, one is to enrich the people of the bank enrich the people treasure, one is the numerous state treasure of numerous country bank, rock-bottom asset all is 5 years period time deposit.
Enrich the people treasure is product of a current, that day 23:30 before buy can cease since that day, include holiday, this are a lot of stronger than monetary fund. Redemptive more convenient also, zhang basically can arrive inside a few minutes. At present interest rate is 4.5% , nearly 9 months dropped 0.2 percent.
Numerous state treasure is a fixed product, deadline has 30 day, 90 days, 180 days, interest rate is respectively 4.8% , 5% , 5.2% , 23:00 before buy the interest since that day. Also support at the same time ahead of schedule draw money, interest rate of not time-expired draw money all is 4.1% , still want fund of prep above money.
Because rock-bottom asset is time deposit, security is very high, these products state get protection of deposit insurance byelaw, as the security of common time deposit. Nevertheless fine fine thinks, of the risk of innovation deposit or time deposit of summary prep above, product specification is not particularly detailed, there also is the proof of time deposit after buying.
On the whole, the yield of afore-mentioned current products is roughly between 4%-5% , comparing remaining sum treasure is tall many, but investor also does not count on current product interest rate too tall, exceed 5% not quite normal, the risk is about to rise a lot of.
For instance platform of a few P2P still has instantly product of current conduct financial transactions, yield is very high, can achieve 5%-7% roughly, dan Jiajia does not suggest everybody touchs this kind of platform and this kind of product. This kind of platform has set capital pool to reach from suspicion of be in harmony, the P2P platform that has current economy partly is already cruel thunder.
Generally speaking, high income, high liquidity, high security 3 person cannot occupy completely, must get sacrifice to just went at 9 o'clock at 3 o'clock.
