You Should Learn How To Manage Money After Raising Interest Rates.

From October 20th this year, the central bank raised the benchmark interest rate of 0.25 basis points.

Should interest be returned to the bank after interest rate increase, or should we continue to invest in the fund? In fact, the appropriate allocation.

Then, will the insurance policy be affected? According to the insurance experts, some insurance products with investment function may produce linkage effects, but there are differences between the different varieties.

At the same time, it is worth our concern that after the central bank raised interest rates, the new issue will be issued.

The rate hike has adopted a more conservative attitude towards lending rates, such as loans over 5 years, interest rates raised from 5.94% to 6.14%, and the increase was only 0.2 percentage points.

However, because the banks have different discount rates on different types of mortgage loans, the impact of this rate hike on different mortgage customers is different.

For example, many first suite loans enjoy thirty percent off preferential interest rates. After raising interest rates, mortgage interest rates will be raised from 4.158% to 4.298%, and the rate of increase is only 0.14 percentage points. Many of the two suites and multi suite loan customers who have raised interest rates before loans will have larger interest rates.

The above 10% of the two suite loan customers, for example, before the interest rate of 6.534%, after raising interest rates, the real interest rate of its mortgage will be increased to 6.754%, up 0.22 percentage points.

For mortgage customers who have interest rates to float, the loan cost is only 4.298%, and the financing cost is low.

In the current market, it is not difficult to get a yield of around 4%.

At present, the stable financial products offered by banks are about 3.5%-4.0% for a year or so.

For example, CITIC Bank recently issued trust scheme 10078 phase 2 financial products, with a term of 363 days, with an expected annual yield of 4%.

If you invest more aggressiveness and buy bond financial products, the yield may be even higher.

Under the current hot money influx and strong stock market conditions, it is not too difficult to get the yield beyond mortgage interest rate through financial management.

As Europe, the United States, Japan and other countries have implemented loose monetary policy, and the domestic RMB has started to appreciate again, interest rates have begun to increase again. Under the double interest of spreads and remittance differences, international capital once again aims at China's RMB assets and flows into the stock market. Now the stock market has become a key market for funds to catch up, and it is expected to usher in a good market.

Even those who have no investment experience can buy one or two index funds to enjoy the benefits of the rising market.

However, experts pointed out that the traditional interest rate increase would push up the short-term yield of the bond market and thus lower the bond price, but because the short term stock market might push some capital into the bond market, the bond market is likely to fall first and then rise under the seesaw effect.

This bond market is short term volatility, investors should consider conservative products.

It is noteworthy that after the central bank raised interest rates, the annual interest rate of new bonds increased generally.

Experts said that from the impact of the bond market, the interest rate increase is not large, one-year deposit interest rate has only increased by 25 basis points, will have an adverse impact on the short-term trend of the bond market, but the impact is limited.

If China's economy continues to suffer from greater inflationary pressure, this rate increase may be just the beginning, when the bond market will face greater adjustment pressure, so investors may consider some conservative corporate bonds.