Interbank certificates of deposit are deposit certificates between banks, which are similar to passbooks, except that these deposit certificates can be pledged and transferred, with a term of less than one year, and belong to fixed-income instruments with higher investment prices.
The AAA index of CSI interbank deposit certificates is compiled by selecting high-quality interbank deposit certificates, and the interbank deposit certificate index fund is a fund that tracks the trend of the index.
Income is higher than surplus e (2.8% annualized last year)
The rate is lower, and there is no subscription fee and redemption fee.
Set a 7-day holding period to avoid frequent operation.
2. Pure debt fund
Different from the hybrid funds or equity funds we usually buy, the positions of pure debt funds are all bonds, and we earn income by the interest of bonds.
The annualized income of a well-done pure debt fund can be 4%-6%, with little fluctuation. -1% position experience is excellent.
Screening criteria
large-scale
Stable position, no big thunder.
Long management time
High long-term return
3. Short-term debt fund
Short-term debt fund is actually a pure debt fund, but the position is short-term debt with short term.
Some people also say that it is an upgraded version of the cargo-based+/money fund, and the income is relatively stable, and there will be no sharp retracement. Well-done annualized income can be 3%-4%.
But the flexibility is worse than Yu 'ebao. If redeemed, T+ 1 trading day will be received.
Redemption within seven days will face a handling fee of not less than 1.5%.
4. Fixed income+
Fixed income+refers to bond funds with bonds accounting for more than 70%. Because these funds contain a small amount of stocks, the income can be higher, and of course the risk is higher than that of pure debt-based funds.
Several points for attention
Although it is mainly based on bond positions, if you buy about 20% of the stock, the fluctuation will still be relatively large.
Don't just buy one, configure more to smooth the risk.
Try to choose a large-scale one with a long history.
5. National debt
There are two kinds of voucher-type treasury bonds and book-entry treasury bonds, 3-year and 5-year. If you want to buy it, it is recommended that you don't need money for 3-5 years, otherwise you will deduct interest if you withdraw it in advance.
Vouchers can only be purchased online at bank outlets, with fixed interest and almost no risk.
Bookkeeping can be purchased directly on the bank App, which is more convenient, but the transaction price fluctuates according to the market interest rate, and there may be losses and gains.
6. Time deposit
Large deposit certificates are large deposit certificates issued by banks for individuals, non-financial enterprises, government organizations and so on. Generally, the minimum deposit amount is basically above 200,000 yuan, and interest is paid at maturity.
The issuer of the certificate of deposit is a bank, which belongs to a deposit product and is guaranteed by 500,000 deposit insurance, so it is also very safe.
Generally, large deposit certificates can only be handled at the bank APP or offline counter. Even online banks will post a notice that "institutions will participate in deposit insurance within 500,000 yuan and pay 100%".
7. Current+
Demand+ is a product that many banks or financial apps have, meaning that deposits are more than bank demand.
Generally, the underlying asset is money fund+ultra-short debt, so there will be almost no loss, and the income can be more than Yu 'ebao.
There are three main types:
It can be transferred out in real time and supports transfer payment.
Can be transferred out in real time, and transfer payment is not supported.
After redemption, it will arrive on the next trading day, and transfer and payment are not supported.