The following are common short-term financial products:
1, Monetary Fund
The funds raised by the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposits, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities, which have high flexibility. General money funds are traded at T+ 1 and redeemed at T+ 1 trading day.
2. Yu 'ebao
Yu 'ebao is a financial tool that we often use in our daily life. Its direct function is the monetary fund. Investors deposit funds in the money fund, which is equivalent to buying the money fund. The risk is very low and the income is stable. In addition, they can also get income through financial management, and at the same time, they can guarantee their daily living expenses and access them at any time.
3. Reverse repurchase of government bonds
The essence of reverse repurchase of government bonds is short-term loans. Individuals lend their own funds through the national debt repurchase market to obtain fixed interest income. Its varieties can be divided into four types: 1 day, 2-day, 3-day, 4-day and 7-day. Investors can make reasonable arrangements according to the idle time of their own funds.
4. Open bank wealth management products
Although the investment risk of bank open-ended wealth management products may be higher than the above, compared with closed-ended wealth management products, open-ended wealth management products are more flexible and suitable for short-term wealth management. However, it should be noted that when purchasing wealth management products, investors are advised to choose products that are suitable for them in combination with their own capital needs and risk tolerance, so as to reduce the loss probability.
5. Demand deposit
Demand deposit is a deposit method that can be accessed at any time and bears interest on a daily basis. It can not only meet the short-term capital demand, but also enjoy certain interest income. Deposit interest rate is generally low, but it has high safety and good liquidity. Investors can use demand deposits as their emergency reserves or as a transitional tool for other short-term wealth management products.