RMB Financial Returns Fell Significantly

< p > the phased restriction structure shows that in addition to the growth rate of return on investment over a year, the growth rate of returns of other financial products has slowed down. This phenomenon shows that the return of financial products starting from the fourth quarter of last year has gradually cooled from this year.

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< p > Jingdong financial home page shocking "8.8%" has attracted many investors' eyeballs. This super financial product is mainly targeted at regular financial management, butting the "Cathay Pacific Ankang regular payment hybrid fund".

The starting point of user subscription is 100 yuan, with no limit for single user subscription. The scale of this product is only 1 billion yuan.

However, unlike the average annual yield of the "baby", 8.8% of this financial product represents the cash payment ratio, which is to pay cash to investors for 8.8% years on the 20 day of the last month of the quarter.

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< p > however, if the yield of the fund is less than 8.8%, the cash in the "a href=" //www.sjfzxm.com/news/index_c.asp "> /a" will contain the capital of the user, and the assets will become less and less until the assets are exhausted.

Therefore, only when the yield of the fund exceeds 8.8% can the integrity of the principal be guaranteed.

This is obviously different from other "baby" products in the "capital preservation and interest collection", and the risk coefficient is relatively high.

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< p > last year, under the agitation of balance treasure, < a href= "//www.sjfzxm.com/news/index_c.asp" > financial market < /a > can be seen as splendor.

All kinds of "treasure" products of Internet Finance quickly occupied the market share with the advantages of convenience and low threshold.

In the new year, in the face of numerous financial products, investors may wish to try to mix and match routes, diversify their investments, and put eggs in different baskets to lower risks.

Financial management emphasizes "mashup" and also emphasizes moderation. The more financial products are chosen, the better the income and the lower the risk.

Too many choices will distract the attention of investors, thus putting a lot of energy into effect.

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"P" euro has become the most powerful "a href=" //www.sjfzxm.com/news/index_c.asp "currency" /a "in the near future. Despite the market rumors that the European Central Bank will take relaxed measures, the euro exchange rate has not failed, but has been rising.

Since July last year, the euro has appreciated about 8% against the renminbi.

Judging from the current market situation, the euro's financial products with less than 3% yield last year have risen to over 5% in recent years. Investors holding relevant currencies can intervene in accordance with the actual situation.

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< p > according to statistics of the financial products research center of the financial sector, the weekly average yield of financial products is decreasing slightly this week.

The weekly average yield of financial products increased slightly during the 7 day period, and the weekly average yields of other financial products were reduced to varying degrees. Among them, the weekly average yield of the 1 month term financial products decreased the most, which was 2.31 basis points lower than last week.

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< p > from the distribution of returns, the highest expected yield of each period is the joint-stock commercial bank, city commercial bank and state-owned commercial bank.

In the 3 months and 6 months, the products with the highest expected yield in the two periods were occupied by the products of China Merchants Bank, and the expected yield of the 14 day financial products reached 3.2%.

A product of Shanghai Pudong Development Bank won the first place in the 1 month period product with a expected yield of 5.75%. A 12 month non guaranteed floating income product of the package bank ranked first in the same period product with the expected yield of 6.5%.

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