According to the Measures for the Supervision and Administration of Financial Services of Commercial Banks (Order No.6 of the Banking Insurance Regulatory Commission of China [20 18]), financial products are divided into fixed income products, equity products, commodities and financial derivatives and mixed products according to the different investment scope and proportion.
1, fixed income products
The proportion of investment in fixed income assets such as deposits and bonds is not less than 80%.
2. Stock products
The proportion of investment in equity assets such as stocks and shares of unlisted enterprises shall not be less than 80%.
3. Commodities and financial derivatives
The proportion of investment in commodities and financial derivatives is not less than 80%.
4. Mixed products
Invest in fixed income assets, equity assets, commodities and financial derivatives assets, and the investment ratio of any asset does not meet the standards of the first three categories of products.
Financial tips:
1. Pay attention to financial activities.
8 18,11,12. 12 Financial activities
Every 8 18,11.1,12. 12, large financial institutions will launch different wealth management activities, which will bring many activities and benefits, including wealth management products with relatively high yield and so on. Strong Amway, everyone pays more attention.
2. Exclusive financial activities of different brokers.
In addition to large-scale financial festivals, many institutions also have their own exclusive financial activities. See if there are any investment opportunities suitable for you by browsing the app of financial institutions, or the official account and video number of WeChat.
3. Note that before the long holiday or the end of the season,
Reverse repurchase of government bonds at year end
Before or at the end of a long holiday, at the end of the month, at the end of the year.
At ordinary times, the yield of reverse repurchase of government bonds is basically the same as that of money funds. However, when the long holiday approaches or the end of the month, quarter or year, there will be a shortage of funds in the market, and financial institutions will use short-term financing tools to obtain funds. At this time, the yield of national debt reverse repurchase may soar sharply, and the annualized rate of return can even reach more than 10%.
We can choose some common financial management methods:
1, bank deposit
Deposit money in the bank on a current or regular basis. The essence is to lend money to the bank and the bank will give you interest. The safest way to manage money, but the shortcomings are also obvious, and the income is low. Current annual reference
1.65%~3.75%。
2. Bank investment
Financial products issued and managed by banks. The investment direction is mainly bonds. The order of income from low to high: state-owned banks (3.5%)
3. Public offering funds
Entrust funds to fund companies, and professional institutions will help you manage funds and make investments. The investment direction is mainly in bonds and stocks, and fund companies will choose varieties and matching ratios according to their own judgments. Fund companies charge a certain percentage of management fees.
Generally speaking, the fund returns are less than stocks and greater than bonds, and the corresponding risks are less than stocks and greater than bonds.