Do You Manage Finances? Rational Allocation Is King'S Way.

There is a popular saying for many years, which is called "you do not manage money, but money does not care about you".

However, it is a little embarrassing to say this again in 2015.

Many financial experts also have to admit that this year's financial channel is narrow, and the overall product yield is not high.

They suggest that investors should appropriately reduce their expected returns next year and appropriately configure bond products.

According to Xinhua News Agency

From the beginning of the year to the end of the year, the mood of investors buying bank financial products also went down month by month with the yield.

According to the bank's network data, the average expected rate of return of bank financial products dropped from 5.25% at the end of January to 4.34% at the end of November.

Similarly, the investment in principal of 100 thousand yuan is taken as an example. If the purchase of financial products at the end of the year is less than the interest income earned at the beginning of the year, it will be nearly 1000 yuan.

For bank financing products in 2015 and volume

"The moderate monetary policy, the continued low interest rate level and the lack of quality assets are the main influencing factors. Compared with the market, most of the fixed income products are still the most ideal investors in the market," Yan Zi Jie, an analyst at the Bank of China, said.

The interest rate of treasury bonds declined in 2015 compared with 2014. The coupon rate of three year bonds issued in 3, 4 and May this year was 4.92%, and the five year coupon rate was 5.32%. In the second half of the year, the monthly interest rate decreased, and the three year and five year interest rates dropped to 4% and 4.42% respectively.

"Overall this year

The sales situation is not warm, but the quota is relatively abundant.

A customer manager of a commercial bank in Shanghai said that the advantage of national debt is safety, especially in the future, when interest rates fall further and interest rates fall.

Early lock in a certain level of earnings is a good choice for conservative investors.

This year, the capital market has surged forward, and the earnings of fund products have fluctuated.

In May this year, the yield reached the highest point in the year. Although most equity funds and mixed funds continued to lose money in June, July and August, as at the end of 11, the stock fund of Shanghai securities statistics gained 45.87% in recent year, and has risen to the end of the first quarter.

blend

Over the past year, the cumulative yield was 50.88%.

This also means that most investors have invested a lot of money in the past year.

Sang Liu Yu, an analyst at Kai Shi financial products research center, suggested that at the end of the year, the market would change its face. Prudent investors could reduce some positions and gradually redeem funds that have already gained considerable profits.

Add some value blue chip style funds, such as finance, real estate, electricity and other undervalued values, to cope with the possible market style pformation at the end of the year.

Daily fund net data show that this year, the average annual yield of treasure products 3.6%, which means that the beginning of the year to buy 100 thousand yuan "baby", at the end of the year, roughly 3600 yuan interest.

Compared to 2013, baby products are 6%, 7% of the annual yield, interest losses most of the losses.

Only the Cinda Australian silver stewardship took the lead, with a 4.32% gain in the past year.

The "baby Legion", once an unlimited market for financial management, has been embarrassed by the decline of both scale and revenue this year.

However, as a substitute for people's current savings deposits, the baby has also completed the accumulation of users, returning to the norm as a short-term financial tool.