Be Careful Not To Be Obsessed With Holiday Management.

At the beginning of the long vacation, did you have more money to be expired in your pocketbook? What are you going to buy? Wait a minute, there are plenty of products. Good planning financial planners remind you to keep your eyes open and choose products. Don't jump into financial traps.

Holiday financing is important, but we should not wait until the corner is anxious to choose products, but we should pay close attention to financial management for a long time and form a good habit of managing money.

When choosing a financial product, don't be confused by the high profits you see or hear. We must do our own risk assessment and make it clear that the rate of return given to fixed income products is annual income. That is to say, we can not directly multiply your investment by multiplying the yield, but we should calculate the maturity income according to the actual number of days held.

If a financial product arranges the expiration date on September 29th or 30, it will be the best day to arrive. If you receive the SMS from the bank, it will read "respected users," as the end of the quarter is liquidated, your XXXX yuan financial products will be postponed to account. Congratulations, you fell into the trap of the bank.

At the end of August, Ms. Zhang had several short-term financial products expired, ready to buy financial products again. A joint-stock bank has recommended a 33 day financial product to its joint-stock banks, with an annual yield of 4.2%, while the other 41 days only have 4%. Ms. Zhang did not hesitate to choose 33 days' financial products.

After coming home, I read the instructions carefully, but I was stupid. According to the contract, the product expires on September 30th, but at least the financial products will have to arrive at the next day. That is to say, the actual arrival date of the product will have to wait for October 8th as early as possible.

Investors should make it clear that any investment product, starting interest or capital account, should be carried out in working days. What is working day? That is, Monday to Friday. If you have holidays during this period, you can't calculate working days. For example, our common T+3, T means that on the day you buy products, +3 calculates 3 working days later. Friday bought, Saturday is non working day, so the latest Wednesday Wednesday confirmed interest. So is the arrival date. The 7 days of the National Day holiday are statutory holidays and non working days, so the funds will not be accounted for basically. According to the terms and conditions, you can only pay 0 interest on the expired financial products in 7 days. But some conscience platforms or products will still give you the money to calculate the current period. Interest )

This is a "ingenious design" commonly used by the banking industry.

Tip: buying anything Investment products Before, we should not only know more about the products, but also look at the provisions of the funds to the accounts carefully. We should pay attention to this time node in the national statutory holidays and prevent banks from being caught by banks. channel Occupy in vain.

The account is calculated on the day of work, and the interest is no exception. All investment and financial products will have 1-3 days, or even longer periods of confirmation, from the payment to the beginning of interest. Some financial products may have to wait for a week before they are bought. And during the waiting period, they will not take interest or the funds can not be taken out in the closed period. So if you want the money to work for you during the holidays, you can buy it sooner or later, or buy it later. If you want to buy it during the holidays, you may not buy it, but only wait until after the holidays.