Spring Festival Financial Management: Lucky Money To Do The Fund Fixed Investment, Let The Money Move Up.

Preganglionic mobility is most important.

During the festival, there are more consumption expenditure.

If a bank has a short-term RMB financial product, it can also choose such products as a financial tool. The duration of such products in the general market can be divided into 7 days, 14 days and 21 days, and the annual interest rate can reach 1.2%~1.8%, which can guarantee revenue and increase liquidity.

Investors can also choose the IMF as an investment in the short term, because its liquidity is good and at present.

In addition, we need to remind that during the holiday season, people go out to increase. It is suggested that a certain amount of accidental injury insurance be selected before the year. The "card type" insurance for accidental injuries in the market is about 100 yuan, with a sum of 50 thousand yuan and a guarantee period of 1 years.

Reduce financial cost in festival

During the Spring Festival, customers should make more use of credit card consumption.

The reason is that the lowest interest free period of credit cards in the market is 20 days. During such a period, customers can reduce their financial cost by using credit card when their cash is not moving. At the same time, credit card consumption is relatively convenient and safe.

Not only that, many banks and businesses launched joint card, but also can get some discount when they consume.

In addition, for the pactional investors, the stock market may have some impact on the stock market during the Spring Festival. Such investors can pay attention to the "paper gold" business launched by banks, because the linkage with the international gold market can be realized through the network, telephone and other terminals, but when investors participate in such investments, the most important thing is to avoid investment risks.

Plan reasonably after the holidays

After the Spring Festival, how to manage the lucky money in children's hands is also a "heart disease" of many parents.

It can help children to choose some financial products to cultivate their children's financial habits.

The first is to choose insurance products.

At present, there are two kinds of insurance products for children in the insurance market: one is savings class insurance, the other is education annuity insurance, and the two type of insurance can help children accumulate certain educational expenses, and also have protection functions.

The two is to make the children's lucky money to be a regular fund.

In addition, every year 3 and April are the time when treasury bonds are put on sale. As the 4 trillion investment of the state expands the domestic demand policy, the number of treasury bonds issued this year may increase, and in the current interest rate reduction channel, the choice of treasury bonds investment should be a good choice for investors.