Inflation Chooses Automatic "Increase Interest" Financial Products

Some analysts believe that after the interest rate hike, China has entered. Increase interest Channel, for investors, will continue to face interest rate risk. Therefore, investors can choose some automatic "raise interest". Conduct financial transactions Products enjoy the benefits of raising interest rates.

Select "interest rate linkage" Insurance

The biggest feature of interest linked insurance is that interest rates are rising. Once the central bank raises interest rates, the interest rate calculated after interest rate increases will be calculated at the new interest rate, and the proceeds from the purchase will also be divided into interest rates. Interest rates will be calculated before interest rates increase, and interest rates will be calculated according to the new interest rate after raising interest rates. The investor can obtain the investment principal and the investment income during the period of insurance whether he has made a claim or not, and the insurer can fully enjoy the interest rate increase.

However, the cost of such insurance is generally higher, and the insured should measure the relationship between capital liquidity and actual yield.

Trust products are excellent funds.

Some investors who are adventurous and more capital may pay more attention to trust products under the expectation of raising interest rates. As banks increase interest rates, the proceeds of trust products will also be adjusted accordingly.

However, the duration of trust products is relatively long and the initial capital investment is relatively large. What we need to remind is that as interest rates are expected to further improve, we should choose products with short duration when choosing trust products.

Targeted financial products are not afraid of raising interest rates.

At present, some commercial banks have launched financial products linked to interest rates. For example, a month's ultra short term RMB financial products, the annual yield is expected to reach 1.8%. Short term products are conducive to timely adjustment of investment direction, and it is an unmistaken choice for investors with idle short-term funds.

As well as the trust products that banks sell, the rate of return is mainly based on the benchmark lending interest rate of the central bank. Therefore, the yield of products will also be increased after raising interest rates.

Buying money market funds

Under the expectation of raising interest rates, money market funds can also be purchased.

Money market funds have good liquidity, low risk and steady earnings. And raising interest rates is undoubtedly a good news for money market funds. Because money market funds invest mainly in deposits, short term securities such as central bank bonds and treasury bonds within a year, the holding maturity strategy is generally adopted in order to obtain interest income. As interest rates on banks rise, money market funds are expected to rise.