Fixed-income products are a kind of financial management terminology, and the yield of the financial products issued by them is fixed, with the purpose of avoiding the risk between interest rate and exchange rate. It is a means to increase the control of economic instability and control risks, meet the needs of financiers, and obtain excess returns at the same time. Its income can be calculated according to the formula, and those that determine the annual rate of return can be divided into fixed-income products.
||? What kinds of fixed income products are there?
1, bank deposit
Bank deposits are the most common and socially familiar fixed-income products, mainly including demand deposits, time deposits, large deposit certificates and interbank deposit certificates. With the characteristics of safety and high liquidity, there is no threshold except for special varieties, but the yield is relatively low, so it is necessary to control the allocation ratio of such products.
? Investment threshold: none
? 20 18 deposit interest rate: about 0.3%-0.35%.
? Investment channels: all bank outlets.
2. Bank investment
There are many kinds of bank wealth management products, which can be divided into three months, three to six months, six to 1 year, 1 year or more, with three months as the main one; ? It can be divided into RMB wealth management products and foreign currency wealth management products by currency. The yield of bank wealth management varies with the product term, risk level and issuer. Because bank wealth management products are also an important means for banks to absorb savings, the expected rate of return of many small and medium-sized banks is higher than that of the five major banks. This kind of products have low liquidity and cannot be realized before maturity, but the overall safety is high.
? Investment threshold: more than 50,000 yuan
? 20 18 time deposit yield: mostly around 3%.
? Investment channels: banking outlets, official website, APP, etc.
Step 3 combine
There are many kinds of bonds in China, which can be divided into national bonds, local bonds, financial bonds, short-term financing bonds, corporate bonds, asset securitization bonds, directional instruments and so on. As a standardized financial product, bonds have relatively good liquidity. ? However, China's bond market has a high investment threshold, and individual investors can invest in fewer varieties, mainly including some government bonds and high-grade bonds of exchanges. Most bonds are mainly suitable for institutional investors to allocate assets. At the same time, due to the complete market-oriented operation, it is necessary to be more cautious in investing in bonds with low credit risk.
? Investment threshold: more than 50,000 yuan
? 20 18 debt yield: the reference yield of corporate bonds is about 8% ~ 9%. The reference yield of national debt is around 4%
? Investment channels: bank counters, trading accounts of securities companies.
4. Fixed income funds
Mainly refers to money market funds and bond funds. Money market fund is mainly a kind of financial products such as bank deposits and bonds, which has the characteristics of low risk, high liquidity and moderate income, and is an important substitute for bank deposits. (For example, Baidu Baiyi, Jingdong Finance, Suning Finance, Licaitong, etc. They are all fund-based fixed-income products. At the same time, money fund marketing is also deeply integrated with the Internet, which not only provides investors with higher income than bank deposits, but also facilitates cash withdrawal at any time. Bond funds are mainly Public Offering of Fund with bonds as the investment target. Bond funds can be further divided into pure bond funds, mixed primary bond funds and mixed secondary bond funds.
Generally speaking, fixed-rate funds have the characteristics of centralized management, risk diversification and specialization. Industry investment and other characteristics, especially bond funds can avoid the problem of difficult choice of bond investment threshold and investment target, with low threshold, suitable for individuals and non-professionals? Investment by industrial institutions.
? Investment threshold: 1000 yuan or more.
? The reference rate of return of 20 18 money fund is about 2%-4%, and the annual reference rate of return of bond fund can reach about 7%.
? Investment channels: Tian Tian Fund Network, Haobu Fund Network official website or APP.
5. Internet Finance P2P/P2B
P2P is a kind of Internet finance that combines the Internet with traditional credit business. The main financing target is small and micro business owners. Generally speaking, P2P products have low investment threshold and are suitable for all income groups. At the same time, combined with the Internet platform, the operation is convenient; The yield is high, and the average annualized rate of return can reach 10%. As a non-standard product, P2P products have low liquidity. If the platform operates illegally or the risk control measures are not perfect, it may not be able to pay due. Investors must choose a platform that is legal in all aspects and has strict risk control measures.
? Investment threshold: 100 yuan
? 2065 438+08 P2P industry reference rate of return: about 9%.
? Investment channels: online loans are eye-catching, and online loan homes rank high. Everyone should have a ranking in mind, the banking department (P2P platform under the bank)