Financial Baby Yields Broke Five

Scale the top ten baby products Rate of return All fell below 5%, where is the baby Legion going? The industry generally believes that the investment yield of the baby Legion will also slow down, and the yield will be raised. It is expected that it will need to wait until mid June.

In the past six months, the yield of balance treasure fell below 5% for the first time. Yesterday, the annual yield of 7 announced by the balance treasure dropped to 4.985%, so far, the yield of the top ten big "baby" products has fallen below 5%.

What is the impact of the ten big baby's yield below 5% on the baby corps and the whole monetary fund? How should investors respond? Will the yield of the future baby Corps continue to decline or will it rebound more than 5%?

Balance treasure yield break 5

Yesterday, the 10000 yuan daily income of the balance Bao was 1.3115 yuan, which is also the new low yield of 10000 copies this year. It has been able to maintain over 1.4 yuan by mid April this year, and it has also been around 1.35 yuan in early May. In May 10th, the annual yield of the balance treasure 7 was 5.008%, the risk was 5%, and the 7 annual yield in May 11th fell 5% for the first time this year, to 4.985%.

In fact, in May 5th, the 7 day yield of the balance treasure approached 5%, which was 5.022%, because the yield of 6 days increased from 1.33 yuan to more than 1.38 yuan, which promoted the 7 annual yield to 5.042%. Industry experts analysis, the balance of treasure Tianhong Zeng Li Bao fund on 6 days to cash in some of the previous floating rate of return bonds, the new cash yield has led to the increase of 10000 daily income, if it is not to cash in earnings, in May 6th or May 7th, the annualized yield has been less than 5%.

Judging from the baby corps, the top ten of the baby's yield has fallen below 5%. In addition to the balance of treasure, the yield is higher than that of the cash express. The corresponding yield of ICBC is 7, and the annual yield is 4.973%. The 7 day yield of Ping An Ying and South cash Jinbao A is 4.937%.

Similar products with the top ten babies still have a yield rate of over 5%, for example, the 7 annual yield of Baidu's cash profit corresponding to the 100% profit earned by the company is 5.461%, while the 7 annual yield of the A of Yinhua cash corresponding to Jinbao corresponds to 5.711%.

The annual yield of the ten big babies is 5%, which means that the yield of these financial products has been continuing to slow down since the beginning of April. The main reason for this downward trend is the low interest rate in the interbank market.

Why break five?

Before and after the Spring Festival this year, the annual rate of return of the bank's agreement deposits can reach 8% or even higher. After the Spring Festival, there has been a noticeable decline. In addition to the increase in deposit interest rates at the end of March, there is a downward trend in other periods. Compared with the Shanghai interbank offered rate (SHIBOR), the interest rate of the 1 month period has dropped to 3.773%. The yield of the large scale agreement deposits of the IMF is generally between 4% and 5%. After deducting management fees, custodian fees and sales service charges, the yield of the new deposit agreement has only about 4%, but the babies have some high interest deposits before, or the investment yield will be lower.

　 Psychological impact over earnings

After the ten baby yields have all fallen below 5%, investors should rationally analyze and judge that the investors' psychological impact is greater than that of real income. Some investors who invest heavily in their children can turn to financial products. Investors with less capital can also switch to other products that have not yet been broken.

Taking the balance treasure as an example, the rate of return is more psychological than that of investors. The actual daily investment returns are not large. In the middle of April, the daily income of the balance Bao was between 1.38 yuan and 1.41 yuan, and the annual yield of 7 yuan was about 5.3% at that time. The current ten thousand daily income was less than 0.1 yuan a month ago. It still maintained 1.31 to 1.35 yuan, and invested 20 thousand yuan in balance. The daily investment income actually decreased by 0.1 yuan to 0.2 yuan a month ago, and had little effect on the actual income of investors.

　　 Income from investment The rate dropped from 5.3% a month ago to the current 4.9% to 5%, which has a certain psychological impact on the investors of baby products. After all, 5% is an important investment yield threshold, and the investors of the babies have long been accustomed to over 5% yield. At the end of the first quarter of this year, the assets of the balance treasure exceeded 540 billion yuan, accounting for more than half of the total assets of all the baby legions. The yield of the balance treasure dropped below 5%, which had a certain investment psychological impact on the entire baby corps and even all monetary funds.

In fact, the yield of other similar investment and financial products also has a slow decline trend, which is related to the decline of benchmark interest rate in the interbank market. In the early April, there were also some 3 month maturities of bank financing products that could yield between 5.8% and 6%. But since May, the yield of bank financial products has also declined, and the general product yield is between 5% and 5.5%. Generally, only those who have a higher investment starting point or a special financial product with special investment products can have 5.6% to 6% annualized return on investment.

Decide on what path to follow

For the majority of children's Legionella investors, when funds are collected to more than 50 thousand yuan, they can switch to some high yield bank financial products for short-term investments, but investors must pay attention to the actual yield rate of new investment bank financial products rather than the rate of return marked.

For example, a 35 day term financial product is marked with a yield of 5.2%. If investors buy two days in advance, then it is necessary to calculate the corresponding time of two days. The yield of the bank's financial products will be reduced to 4.92%, which is actually not as good as the current yield level of the balance treasure.

For the future baby yields change, the industry generally believe that the baby Legion's investment return rate will also slow down, better performance of the baby can maintain 4.8% to 5.2% annual yield, poor performance of the baby can only maintain about 4.5%. The increase in yields is expected to wait until mid June.

From interbank market The trend of long-term interest rate is that, at the end of each quarter, the end of the year or the end of the year, there will be a more obvious improvement in the interest rate of funds, which will help the IMF increase the rate of return on investment. The higher the proportion of new funds and natural maturity funds, the higher the investment return rate of the IMF will be at the end of June. By the end of June, a considerable number of products in the baby Legion are expected to return to a higher return on investment of more than 5%.