Mr. Zhang is the business director of an IT company, and has recently saved up 1 million yuan to buy a suite. However, as the saying goes, "it is easier to buy a house than to choose a house". After embarking on a long road to see the house, Mr. Zhang did not have a house with a satisfactory location and apartment layout. And the 1 million down payment prepared can only lie in the bank and let it "sleep". Mr. Zhang, who is smart, thinks that this 1 million yuan is also squatting. It is better to invest and manage money at the same time. Under the condition of ensuring flexible funds, it is the best policy to realize wealth appreciation.

In this regard, financial experts pointed out that there are many financial products on the market at present. For prospective homebuyers like Mr. Zhang, it is entirely possible to choose a suitable financial product from three dimensions: safety, flexibility and income, so that the 1 million down payment can be "earned" while looking at the house.

according to the analysis of financial experts, safety is undoubtedly the first priority in financial management with the down payment on house purchase. Many people think that bank wealth management products are the safest. It's not. According to the statistics of bank wealth management data in the past two years, it is found that some bank wealth management products have suffered huge losses, which makes bank wealth management products still face an embarrassing situation, and the high threshold of bank wealth management products with considerable income has also discouraged many investors, not to mention the liquidity restrictions ranging from 3 to 36 days.

So, are there any products that guarantee the safety of the principal or have minimal risk? Financial experts pointed out that money funds are the first financial products that can keep the myth of "unbeaten" income, and these products mainly invest in money market instruments with extremely low risk. WIND data shows that since the birth of the first money fund in 23, money funds have maintained positive returns over the years from 24 to 213, and the average income in the last three years has exceeded 3.5%.

Secondly, according to the characteristics of buyers, the wealth management products used for down payment can be withdrawn at any time, because once the right house is found, it needs to be started immediately. If the term of investment in wealth management products is not properly selected, and the house is selected but there is no money, it will undoubtedly miss the opportunity to buy a house. And the money fund can be used at any time, and it can completely make desperate bank demand deposits. In particular, the goods-based products that have launched mobile apps, such as Harvest Lifetime Music and Huaxia Lifetime Link, can be purchased anytime and anywhere by pressing the mobile phone button, and they have also achieved T+ quick redemption, which is very suitable for the down payment financing that is temporarily idle.

after listening to the introduction of financial experts, Mr. Zhang plans to deposit 1 million down payment into the money fund first, and earn income while looking at the house. But in the face of more than 1 money funds in the market, how to choose? Financial experts said that for money funds with an average annualized rate of return of about 3%, a good "cargo-based baby" is often a matter of minutes. Take Harvest Festival Music as an example. WIND data shows that from April 1 to April 8, the average annualized rate of return of Harvest Festival Music Zone on the 7th day reached 6.33%. If Mr. Zhang deposited all the down payment of 1 million into Holiday Music, it would bring in 1,178 yuan in just 8 days! Not only is it far superior to the income of banks in 7 yuan and 8 yuan during the same period, but it is also a "performance" higher than that of Yu 'ebao and Huotong.

cash management functions such as safe, profitable and available at any time are being discovered by more and more wealth managers. However, house buyers like Mr. Zhang skillfully use the monetary fund to handle the idle down payment, which not only delays the purchase, but also realizes value-added, so that the purchase and wealth management are correct.

(The above answer was published on April 28, 217, and the current relevant purchase policy should be based on the actual situation)

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