Financial Strategy In 2011: &Nbsp Should Be Changed At Times; And "Interest Rate Increase Thinking" Should Be Established.

What will be done in 2011 in the new year?

Mortgage loans: adequate funds

According to convention, most housing mortgage loans, including commercial mortgage and housing provident fund loans, are adjusted according to the principle of "one year and one tune". Therefore, after the two increase in interest rates in 2010, there will be obvious changes in mortgage repayment from January this year.

Because many banks are using the account balance when they are paying the mortgage, they do not carry out the current deduction.

In the new year, people with housing loans should pay attention to the provision of adequate mortgage funds in their accounts.

Deposit: repeated pfer is not desirable.

Guo Lexin, a financial planner of Qingdao branch of China Merchants Bank, believes that after the two increase in interest rates at the end of last year, banks have seen another trend. However, depositors are more likely to establish interest rate hikes because the process of raising interest rates will continue in 2011, and depositors should adjust their savings strategies.

What needs to be reminded is that the proceeds from the pfer of the former deposit can only be calculated according to the interest rate of the current account 0.36%. Therefore, in the process of increasing the interest rate continuously, it seems that the equivalent savings actually sacrificed the deposit income in the early stage, especially in 2011, the signal of the medium interest rate increase has been clear, and the repeated pfer is not a wise policy.

A better strategy is to save deposits in the short term.

That is to say, depositors try to choose products with shorter storage time. For example, the interest rate fixed at 3 months has reached 2.25%. Even if the central bank increases interest rates again, depositors can wait until the deposit is due to be harvested, and then interest rates will be chosen to choose new deposit products with higher interest rates.

Financial products: as short as possible

Bankers believe that with the interest rate hike and the recent stock market turmoil, bank financial products will still become the first choice for citizens to invest in 2011.

Ma Xiaoxin, financial manager of Qingdao branch of Bank of communications, said that this year, we entered the interest rate raising channel. With the adjustment of deposit interest rates, the profits of short-term financial products also rose.

Some short-term products are expected to exceed the one-year deposit interest rate.

Some banks issue RMB financial products, with a duration of 20 days, and the expected annual income has reached 3%. The idle funds will be invested in this type of products, which is also a favorable choice for investors in the process of raising interest rates.

Ma Xiaoxin also cautioned that radical risk investment enthusiasts who preferred high risk and high return could consider non guaranteed products.

But prudent investors like older, more conservative financial management, and not willing to depreciate their money every day, still choose products that are both guaranteed and non linked.

Qingdao Construction Bank financial management division told reporters that in 2011, with the differentiation of stocks continued to strengthen, both with "the ability to judge the growth of stocks" and "strategy to grasp the valuation volatility capabilities" fund managers more competitive.

In addition, in the 2011 shock market, small and medium-sized funds will have more advantages due to their flexibility in operation.

In the concussion market, the market style is constantly changing, and the small and medium sized fund "ship is small and good turn around", which can change the position structure in time according to the hot spot of the market, which is more conducive to the operation of the fund.

In addition, the smaller scale funds are less affected by the impact of their own paction costs, and their performance is also more resilient.