Financial channel> Bank Financial Encyclopedia> How to choose T + 0 financial products?

How to choose T + 0 financial products?

Edit: melt 360 finishing Source: Rong 360 Date: 2014-03-24

Summary:

Bank T +0 financial products to purchase, redemption immediately and effective, real-time funds into account. So by the overwhelming majority of investors. However, the bank T +0 financial products also have a certain risk, then how to choose the bank T +0 financial products? There are several aspects to be noted below.
  
 
Bank T +0Financial productThe implementation of "purchase, redemption immediately and effective, real-time funds into account." So by the overwhelming majority of investors. However, the bank "T + 0"Financial managementProducts also have a certain risk, then how to choose the bank "T +0" financial products? There are several aspects to be noted below.

No.1Risk terms: Bank T + 0 financial products may also face a variety of investment risks, such as international and domestic financial market changes lead to asset price changes brought about by the market risk, corporate bonds and loan companies can not be scheduled to pay credit risk and customer principal and earnings may be Delaying the liquidity risk and policy risk, etc., to ensure that the risk of financial management in their own range.

  No.2Foreclosure time: Such products in each trading day in advance agreed to redeem the time, investors should be within the specified trading hours, reasonable arrangements for access to funds, so as not to affect other investment operations.

 No.3Income terms: Each "T + 0" financial products will specify their own earnings announcement frequency and manner, most of the banks are published daily earnings of the previous day, butEverbright BankOf the current period is announced Wednesday through Wednesday to next Tuesday's expected annualized rate of return, is conducive to improving the accuracy of financial decision-making.

  No.4Huge redemption clause: Most banks for the redemption of such products set a large redemption restrictions, so if the case of new shares, etc., investors can be redeemed in advance, so as not to take the funds out of embarrassment.

 No.5Cost terms: Although there is no general purchase, redemption costs, but the bank is usually deducted lower product management costs and custody costs.

Bank T + 0Financial products relative to the current deposit threshold is higher, generally not less than 50,000 yuan. Banks of different levels of investors also set a different rate of return, in general, the greater the amount, the higher the yield.
 
  

All reviews

                                No comment, you need to stand out first to express your opinion!