1, bank cash management product
Bank cash management products are similar to money funds, which mainly invest in various money market instruments, such as bank deposits and national debt, so the expected return on investment is relatively stable and the risk is low. More importantly, it has strong liquidity and generally supports T+0 subscription and redemption, which is a short-term financial management method.
The expected rate of return of bank cash management products is slightly higher than that of money funds, with an average rate of more than 3%. However, according to the new regulations of bank cash management products, the liquidity management of such products will become increasingly strict in the future, and the expected expected rate of return in 2020 may be reduced.
2. Reverse repurchase of national debt
If the investor has already opened a securities account, it is also a good short-term financial choice to restrict the fund users in the account to operate the reverse repurchase of government bonds.
The investment period of national debt reverse repurchase is very short, which can be 1 day, 7 days, 14 days. The expected rate of return of reverse repurchase of national debt is directly related to the market funds. When there is little money at the end of the year, the expected rate of return is usually much higher than usual.
3. Funds
Open-end funds have no closed period, so the purchase and redemption are very flexible. Usually, the expected rate of return of the fund is not directly related to the holding period, and investors can redeem the fund at any time.
Of course, most foundations handle different proportions of redemption fees according to the length of holding period, so it is best to hold the fund for no less than 7 days.
What are the above contents about short-term investment and financial management in 2020? I hope I can help you. Warm reminder, financial management is risky and investment needs to be cautious.