What does short-term investment and financial management mean?
Short-term financial management refers to the realization of target income through short-term investment, which is a form of financial management with short term, good liquidity, low risk and low investment threshold. The number of financial management days is generally around 30 days.
How does 65438+ 10,000 carry out short-term financial management?
Investors should consider their own risk tolerance when purchasing short-term wealth management products. Steady investors can choose low-risk financial products, while radical investors can choose medium-high risk financial products to pursue excess returns. At the same time, you can diversify your investment and diversify your financial risks, but not too much. At the same time, don't choose wealth management products with strong correlation, which will not play a role in diversifying risks.
Although the past income does not represent the future, it will still have a certain reference function. It is necessary to pay attention to the past income of wealth management products, make more comparisons, and give priority to the wealth management with better past income.
1, bank demand and short-term financial management. Now many banks have some short-term and current financial management similar to Yu 'ebao. Take the current financial management displayed by China Merchants Bank's mobile banking as an example. The seven-day annualized rate of return is about 2.68%-3. 12%, which can be redeemed at any time. The investment threshold is very low, with medium and low risks, some T+0 and some T+60.
2. The term of reverse repurchase of national debt is within half a year, of which the shortest term is only 1 day, and the risk is very low.
3. Although there is no fixed term, the money fund can be redeemed at any time, and the risk is relatively low.
4. Interbank deposit certificates are time deposit certificates issued by deposit-taking financial institutions in the inter-bank market, with low risk, and funds can be withdrawn after being deposited for more than 7 days.