Home >

Short Term Financial Products Yield Decreased By &Nbsp; Investors Can Learn From Each Other'S Strengths.

2012/3/13 17:48:00 15

along with

CPI increase

The decline in the market, the further easing of market funds and the expected temperature rise, the yield of financial products has fallen again.

Recently, the bank's new issuance of sound financial products has generally declined by 0.4 percentage points.

Bank financial planner analysis, this trend may continue, but the room for reduction will not be too big. At present, the purchase of financial products should be appropriately extended.

Short term financial products yield reduction

Last Friday, Chen Yang, who lives in the five District of the south bank, received a promotional message from a joint-stock bank.

Chen Yang found that the annual yield of the same 3 month bank financial product was 5.3%, and now it has dropped to 4.9%.

This means that if the purchase of 100 thousand yuan for the same product, the revenue has dropped from 1325 yuan to 1225 yuan.

Generally speaking, the low yield of financial products has declined.

For example, a foreign bank has 50 thousand yuan to sell the 3 month guaranteed capital guaranteed revenue product, the annualized yield has dropped from 5.3% at the end of last year to 4.9%.

Another 3 month financial product of another state-owned bank has reduced its annualized yield from 5.1% at the beginning of the year to 4.7%.

The downward trend will continue.

Why does the yield of financial products decline in the near future?

China Merchants Bank (

600036, Gao Chengjia, deputy general manager of the retail banking department, said that the central bank lowered the deposit reserve ratio and released liquidity. The interbank market lending rate returned to normal level, and the yield of bank financial products also declined.

Standard Chartered Bank issued a research report that the latest macroeconomic data for the central bank to further relax monetary policy has added reasons.

Standard Chartered expects that the central bank will reduce the deposit reserve rate by 4 times in 2012, one of which will be lowered in March.

The implementation of the index of loan to deposit ratio of commercial banks will also be relaxed to support the growth of bank credit.

At present, the discount rate of the letter of credit has dropped from 8% to 9% during the Spring Festival period to about 6%.

The inter-industry market also relaxed further, and the 7 day repo rate fell to less than 3% last week.

The slowdown in economic activity has led to a decline in return on investment in the market, and this trend is expected to continue.

Investors are advised to extend their product life.

In the case of a downward trend in the yield of financial products, should the mode of investment be changed?

Gao Chengjia said, along with

Market funds

With the further easing of the sector and the expected warming of the future, the yield of financial products issued by banks over the next 3 months may be affected. Investors need to flexibly configure financial products with different maturities according to their own circumstances, so as to maximize their returns.

For conservative investors, the product maturity should be extended appropriately to lock in higher yields.

At the same time, the advantage of the bond market is also highlighted.

The yield of bonds is higher than that of bank deposits, and yields are fixed, so it is easy to get more attention in the loose capital environment.

Overall, the end of the negative interest rate era is expected to let the debt market which has been depressed for about a year to warm up again.