JP Investment Management Co., Ltd. teaches you the Spring Festival finance

If you have a cash on hand, two options, one is placed on the current passbook, one is to buy the New Year edition of Banking products, the two options will bring about 10 times times the difference in income.　　JP Investment Management Co., Ltd. from the bank to understand the information shows that the Spring Festival is approaching, many people are in various banks launched the Spring Festival version of the financial products in the heap of carefully selected, Low-risk, high expected rate of return, the seven or eight-day period of the variety by the heat. Miss Chen, the account manager of a large bank, has accepted a number of customers to make an appointment for 7-day products. The bank at the end of January, the intensive issue of a variety of short-term financial products, the main force is 7 days, 12 days for the period of two. The former is the Spring Festival edition of exclusive products, issued up to the last day of January, the starting point of funds for 200,000 yuan, the expected annual return rate of 3.6%-4.3%; starting from February 1, 8th expires. 9th is the first working day after the Spring Festival holiday, the money will return to the customer account. Ms. Chen said that the client is very smart, the time for the use of funds is very tight, generally in the issue of the deadline before the one or two days in place, because of fear of high yield of products limited, so now advance appointment.　　The Bank of another 12-day financial products, starting from the capital of 50,000 yuan, the expected annual return rate of 3.1%-3.4%. JP Investment Management Co., Ltd. from another small and medium-sized Bank of Shenzhen Branch learned that the bank is issued 7 days and 16 days of two types of capital preservation income-type financial products, the starting point for the purchase of 50,000 yuan, the beginning of the daily product income from February 2 (New Year's Eve) began. The expected annual rate of return is affected by the duration of investment and the amount of client funds, ranging from 3% to 3.6%.　　It is said that its 7-day product is best sold. JP Investment Management Co., Ltd. Senior investment experts said that near the spring Festival, the year-end award began to cash, there are a large number of funds from the stock market, business to withdraw the bank, the public hands short-term idle funds more. If simply deposited in the current account, the annual yield of only 0.36%, and the selection of High-yield Bank of the New Year edition of financial products, the annual return rate generally reached more than 3%, higher than 4%.　　Yields are 10 times times the difference. "The security of banking products is uneven, conservative customers can also consider the purchase of money market funds." The main object of Money market fund investment is short-term money instruments such as Treasury bills, commercial paper, bank deposit certificates, government short-term bonds, corporate bonds and other short-term securities, capital security is higher. Moreover, money redemption generally do t+1, and some can also redeem the day to account. The Money fund holiday also has the income, the annual return rate is 2%-3%, higher than the demand deposit interest 5 times times above. "Investors reminded that money fund companies will generally suspend their subscriptions two or three days before the start of the long holiday, and that the people who need to buy them should be in advance in time."