Investment And Financial Management: Don'T Put Big Money In "Baby".

With the lowering of the benchmark interest rate of banks, the income level of "baby" products will also be further reduced.

Now, some of the "baby" products have fallen into the "2" era, and are more at the edge of 3%.

Compared to the beginning of 2014, more than 6% of the grand occasion has long been gone.

If you still have a lot of money to linger in the "baby" product, it is recommended to choose other investment channels as soon as possible.

In terms of liquidity, banks are open.

It's a relatively good choice.

Compared with fixed term financial products, the open products have the characteristics of flexible acquisition, while the security is guaranteed, and the income is higher than most "baby" products.

Such products can also be purchased through a direct bank, even if it is necessary to confirm the first subscription to bank outlets, it will not be too much trouble, and all subsequent operations can be carried out online.

In addition, when

When it is reduced, it can also directly purchase closed financial products and obtain higher financial returns.

Despite the interest rate cut, P2P net loan income level will not drop suddenly, but downward pressure will increase with the release of liquidity, it is likely to slow down adjustment.

In fact, with the constant regulation of industry and the entry of large organizations, the yield of P2P has fallen by more than half in the mad period.

The early 40% or even higher yield products have long been hard to trace, and the general income level of large platforms is 8%? 12%.

If at this point, a high-yield platform suddenly appears in front of you, then don't forget to ask more questions after a brief heartbeat.

After all, compared with other investments, the biggest risk of P2P may be the total loss of principal.

The continuous occurrence of incidents caused by platform running and closing down is a warning to investors.

If you can't determine the platform's

It is better to avoid such platforms even if the level of earnings it gives is far higher than the interest rate of bank deposits and financial products.

In addition, investment in the more reliable P2P platform also does not recommend investing too much money at a time. It is better to adopt the principle of diversification investment.

At the same time, do not spend too much money in a project. Even a reliable platform may appear unreliable projects. Once overdue, it will take time to recover the principal and income, so we should avoid the risk of large capital being locked up.

In the past, no matter which bank deposits, the proceeds were almost the same, big banks attracted customers by virtue of many outlets.

But now the situation is different. With the opening of interest rates, the deposit earnings gap between different banks is likely to remain for a long time.

If a deposit is not calculated, it will become poorer and poorer.

Relatively speaking, the first tier of revenue is the city commercial bank.

Share interest rates offered by joint stock banks are also good.

The relatively low interest rate is the five main echelons of ICBC, ABC, Bank of China, China Construction Bank and Bank of communications.

The interest rates are consistent in each period, three months 1.35%, six months 1.55%, 1.75%, 2.25%, three 2.75% a year.