Seven-day financial products can only be actively redeemed on the open days of financial products. Investors can bring their ID cards and fund subscription letters to the bank counter or the counter of a securities company to redeem them. The redeemed funds will be redeemed within a few working days.

It will be returned to the bank card associated with the investor within a certain period of time. If it is not redeemed upon expiration, it may be automatically transferred to the next period.

Seven-day financial products refer to a cycle of 7 natural days, and the income is the sum of the 7-day income. Investors can only redeem, reserve, set up, etc. the product on the open day after the end of the cycle. The interest rate is relatively stable and generally higher than

The deposit requirements are higher and are more suitable for investors who have idle funds in the short term.

Short-term investment and financial management refers to a type of financial management that makes short-term investment profits, has a short time period, and has a high rate of return. It is suitable for investors who have no plans to use funds in the short term, including customers who plan to buy cars and houses, and people who have idle funds in the stock market.

Common short-term investment and financial management cycles broken down by "days" include different cycles such as 30 days, 60 days, 14 days, 21 days, and 28 days.

Its characteristics are good liquidity, good safety and high returns.

Characteristics of short-term financial products: good liquidity.

Short-term financial products have short investment periods, allowing investors to arrange funds flexibly.

Many investors are still waiting to see the stock market and property market. If there are better investment opportunities, short-term financial products will make it easier for customers to invest.

The security is better.

The scope of short-term financial investment includes financial instruments with good returns and liquidity in the domestic market, including bank deposits, money market instruments, bond products and quasi-bond products.

These investment directions are relatively stable, and banks even promise guaranteed returns for some products.

High income.

Throughout 2011, the annualized rate of return of short-term financial products was basically maintained at around 5%. At certain critical points, the annualized rate of return was even as high as 7%, which was very tempting for investors.

Not all cash management products are principal-guaranteed, so investors should pay attention when purchasing.

But capital preservation is both an advantage and a disadvantage.

Bank financial planners said that compared with other products on the market, capital-guaranteed products have a longer capital-guaranteed period.

For example, among the principal-guaranteed financial products issued by banks, products with a term of one to two years are the mainstream design terms.

In addition, there are also some products on the market with a guaranteed period of five years or even longer.

The capital-guaranteed period of capital-guaranteed funds is also 2 to 3 years.

If you want to invest in capital-guaranteed products, one thing you must consider is whether the funds will not be used for other purposes during the capital-guaranteed period.

In addition, investors should not have too high expectations regarding the potential profitability of capital-guaranteed products.

In a capital-guaranteed investment portfolio, most of the assets will be invested in some fixed-income financial products, and additional income is mainly achieved through the intensive operation of a small portion of funds.

In a relatively strong market environment, the advantages of capital-guaranteed products may also be its disadvantages.