Investment Should Be "Stable" When Interest Rate Expectations Are Raised.

At the end of the year, Conduct financial transactions Recently, it has become a hot word among the people. October, China CPI The year-on-year growth rate was 4.4%, while the current one-year fixed deposit rate was only 2.50% after raising interest rates. Secondary Increase interest It is expected that many medium and short term bank financial products will be popular, but the reporter also noted that if the target of anti inflation is to be targeted, the proportion of financial products with annual revenue exceeding 4.4% is not large.

According to Puyi wealth statistics, there are a total of 733 bank financial products in November 2010, and only 18 financial products with an annual annualized yield of 5% or more. In addition, 249 types of guaranteed income, 56 guaranteed capital floating income models and 428 non guaranteed floating income models are guaranteed.

It is worth noting that last week (November 27th to December 3rd) 22 commercial banks issued 156 personal financial products. Among them, the short-term trend of financial products is expanding, and 66% of the financial products are 3 months (inclusive) of the following financial products, compared with the previous week increased by 4%. In October, the issuance of financial products in the 3 months (inclusive) period accounted for only 56.97% of the total issuance of financial products in that month.

Near the end of the year, financial products are also popular behind the pressure of banks. In order to achieve the loan to deposit ratio, banks can find their own tricks. Under such circumstances, issuing high interest financial products to attract customers has become an important killer of banks in the end of the war. A stock commercial bank customer manager told reporters: "before the stock market was strong, many people put their savings into the stock market, and banks also face the reality of raising the deposit reserve ratio, which means that many banks have pressure to achieve loan to deposit ratio."

Financial experts suggest that under the expectation of the two increase in interest rates, investment should be based on "stability". Generally, anti inflation products are mostly structured products. High yield keeps pace with high risk, but robust products are hard to beat inflation. Before investing, we must do a good job of risk assessment for ourselves. If a prudent investor, financial products and treasury bonds should be allocated under inflation, though not necessarily able to outperform inflation, the rate of return is higher than the deposit interest rate and is steady. Investors should not blindly compare the annualized yield of products with different maturities. The annual yield of some short-term products may not outperform the inflation rate, but it is still worth investing.