National Day Holiday Strategy: Use Notice Deposit Returns To Double

The "eleven" golden week is coming, counting the two-day weekend after the long holiday.

Strategy for a super short term

When the National Day holiday is approaching, many investors choose the latter between the "holding Festival" and "holding the currency Festival". As a result, there are many idle funds in the hands of investors.

Many banks have seized this opportunity.

Reporters visited a number of banks yesterday to see that a variety of ultra short term financial products have appeared on the national day.

Mr. Zou saw a 11 day financial product in ICBC, with an expected annual yield of 3%.

Take all the 500 thousand yuan to buy the product, for example, according to 3% yield, 11 days later, he gained 500000 x 3%, 365 x 11, 452.05 yuan, and if he deposited the current return, it was 500000, 0.36%, 365, 365, 365 yuan.

Strategy two double earnings from notified deposits

In addition to ultra short term financial products, the notification deposit business launched by major banks can also help investors easily realize "money generating money".

It is understood that notice deposits generally have 1 days and 7 days two periods, the interest rate is usually 0.81% and 1.35%, is the current deposit interest rate 0.36% times more than 2 times and nearly 4 times.

The 7 day notice deposit is automatically pferred for 7 days in one cycle and compounded compound interest. Customers must inform the bank 7 days prior to the agreement to withdraw the deposit. The minimum deposit amount for the current notice deposit is 50 thousand yuan.

Strategy three

In addition to saving, investors who pursue capital security instead of extravagant returns can also buy Monetary Fund.

IMF assets are mainly invested in short-term monetary instruments, such as treasury bonds, commercial paper, bank deposit certificates, short-term government bonds, corporate bonds, interbank deposits and other short dated securities, and the safety of fund managers is evident.

Strategy four investment in foreign exchange market should be cautious

Recently, the central parity of RMB against the US dollar broke through 6.70 at a single stroke, making the foreign exchange market active. Many investors had great interest in foreign exchange.

During the long holidays, the foreign exchange market does not stop trading, and foreign exchange pactions of banks will not stop, and many banks have launched personal foreign exchange business.

Strategy five paper gold investment holiday closed

During the long holidays, the domestic market will be closed for 7 days, plus the two-day weekend of October 9th and 10. Nearly 10 days can not buy and sell gold futures; commercial banks' gold and gold T+D businesses will also be suspended; the paper gold business will normally trade, and will remain closed on Saturday and Sunday.

Strategy six commodity light duty sheltered safety risk

During the long holidays, due to the increase of futures margin ratio, investors need to adjust their positions or replenish reserve funds appropriately.

In addition, during the long holiday period, the domestic market is longer, thus facing the risk of external market volatility after the festival, investors should be prepared ahead of schedule.

During the National Day holiday, investors should better celebrate their holidays, even if they remain in the warehouse.