source: Qingdao daily Author: Wang Lei
"large deposit list" is suitable for old customers
early. At the age of 70, she came to the construction bank near the District, ready to buy a "large deposit list". "Money is still safe for banks. This regular interest rate is high." Aunt Zhou said that she was too old to know money and would not go online. Her pension and her wife's savings were banks. She knows "large deposit certificate" through newspapers. "I consulted a few days ago. The one year period is 40% higher than the regular one." The lobby manager of the bank told reporters that the "large deposit certificate" issued by them was only one year, and the annual interest rate was 3.15%. At present, most of the consultancy is for the elderly. The amount of the individual subscription starting point is 300 thousand yuan. The individual "large deposit form" of their bank can be withdrawn in advance. The amount of the amount is paid in accordance with the current rate, but the remaining amount must be greater than or equal to 300 thousand, to continue to enjoy the original interest rate of the "large deposit". She said: "our first personal" large deposit certificate "issue scale is 10 billion yuan. It's not a lot of us. If you don't do it today, you can make a reservation in advance. We'll reserve it for you. " She called a computer reservation list, and saw that she had registered ten names and telephone numbers.
industry insiders tell the reporter that the advantage of the "large deposit certificate" is a good liquidity. If the general deposit is taken in advance, the interest rate will be resumed, and the "large deposit list" can be transferred. The interest rate is still determined according to the market interest rate, and the interest rate will not be jumped. Compared with the bank financial products, the "large deposit list" is short of advantage in the yield, but the risk is small, because the "large deposit list" is included in the scope of the full insurance, even if the bank is out of the problem, the investors' money is also relatively guaranteed. He personally believes that for risk conservative investors, "large deposit certificate" has great advantages.
in the interview, the reporter learned that the "large deposit bill" issued by the city of each of the banks subscribed the starting point is 300 thousand yuan, the highest issuing interest rate is about 1.4 times the benchmark interest rate of the central bank, the maturity of the repayment of interest.
"no flow is devaluation"
Xu Weijia, who works in a logistics enterprise, has always disliked fixed deposits. "Money, no flow is devaluation" Xu Wei Jia said, "20 years ago, if you had 300 thousand, you could buy a very good house on the Hongkong road in the city, if you did not buy, deposit the bank. Where can you buy 300 thousand plus interest today? She told reporters that she was busy with her work and had no spare time to make other investments. Her funds were used to buy bank financing. Although banks say there are risks, many financial products are relatively healthy. "Now some short-term financial management, 15 days, 30 days interest rates are above 4%, some banks 60 days, 90 days of financial management, interest rates can reach 5% or even 6%."
in the face of the "large deposit certificate" business launched by banks, Zhao Jianyu, 45, is not in the mood. He told reporters that many banks have regular interest rate floating policies, such as the Bank of Qingdao, with an interest rate of 2.7% at less than 5000 in one year, and up to 2.92% for more than ten thousand. The industrial and commercial bank is bound by 50 thousand. 300 thousand, the threshold of "large deposit bill" is too high. Zhao Jianyu is more interested in the fund. He told reporters, "to buy funds is to buy people, under the same investment research platform, fund performance often presents a huge difference, only one problem, the ability of the fund manager's personal ability is the most important decisive factor in the performance of the fund. The most important thing to buy a fund is to see the past performance of the fund manager. When you look for the right person, your investment will benefit. This is a professional investment manager to help you make money. "
"big volatility only has great interest"
"large deposit" mortgage advantage is not very large, a lot of bank deposit can be used for loan mortgage. Mr. Zhu, who is a coffee shop businessman, told reporters that he had used a time deposit to run a mortgage loan in a bank. At that time, Mr. Zhu was 100 thousand yuan for two years and the interest rate was 3.75%, because it should be withdrawn 3 months ahead of time. The original interest 7500 would turn into a current rate of 670 yuan. In the end, Mr. Zhu was in the bank for a loan of a deposit certificate for half a year, and the interest rate was only 925 yuan. Mr. Zhu said, "as long as you go to your deposit bank, fill in the application form for the pledge of the deposit certificate, take the valid certificate (ID card, account book), effective regular savings deposit certificate and other materials required by the bank. The number of specific loans depends on the provisions of banks, generally not exceeding 90% of the certificates of deposit. Speaking of financial investment, Mr. Zhu said he liked high risk and high income investment. "Now many places can invest, not to say that as long as 1000 yuan, can a few Wanda Square be raised. I'm going to try. " Mr. Zhu told reporters that, according to Wanda's "steady earning number one", he bought a "steady earning number one" customer, which will come from net property income every year, that is, the 6% - year interest rate of the rents of the Wanda Square from the fixed investment. In addition, if the REITs is listed 3 years after the project is established, the expected annual yield will reach 14%. If it is still unlisted at the end of the seventh year period, Wanda Commercial real estate will buy its own rental property or corresponding rights and interests at a price of not less than 1.5 times the actual investment funds (after deducting the related tax and fee). The annual rate of return is expected to be 6%.
although the "28 law" in the stock market is the iron law, only 20% of the people in the end can "live", and in the end, it must be 80% of the people to spit out the profits. Wu Jiajia, who works in a foreign company, is still struggling to fight in the stock market. "If 300 thousand, of course, I invest in the stock market, big fluctuations will have great benefits." At the end of last year, Wu Jiajia put her parents' money into the stock market. "My parents' money, plus my own savings, was only 500 thousand, just enough to buy a secondhand room in the unit. It's no problem for me to buy two rooms now. " At that time, Wu Jiajia bought 27000 shares of Qingdao Haier at a price of 18.04 yuan per share, and sold about 300000 yuan at the price of 31 yuan per share in May this year.