Or habitually enter the Jingdong platform to see what products are there, and accidentally found that this bank deposit has the opportunity to become a blockbuster.
Straight to the point, today's protagonist Zhongbang Bank - Zhongli Cun.
This is a deposit product with a yield of 5% and a maturity of 5 years, she can only withdraw in advance according to the demand interest rate, she cannot rely on the file to calculate interest, so how can it become a hit?
Let the private elementary school apprentice unveil her secrets step by step.
First of all, reveal the real yield of the product, the product is a 5-year, one-time principal and interest payment product at maturity, the yield of 5% is simple interest, taking into account the compound interest factor, the real interest rate should be about 4.5%.
Therefore, investors buying long-term one-time debt service products, do not be misled by the superficial yield, must first calculate the actual yield.
Next, focus on her product transfer function.
The mode of product transfer is similar to the transfer of the original smart deposit income right, but the previous transfer object was an institution, and the transfer object of Zhongli Storage was an individual investor, which does not guarantee that the transfer can be successful in real time.
There is a very noteworthy transfer rule here, that is, the setting of the transfer price.
This is a screenshot of a product currently being transferred. The yield of 4.67% displayed in the product is a yield that the undertaker can get after purchase;
However, based on a compounding effect noted above, the real return of investors is clearly below 4.67%. Most importantly, the product itself has a yield of 4.95%, and the part of the proceeds due to the undertaker is occupied by the transferor.
On the other hand, if the current market interest rate is significantly lower than the interest rate of the product, the undertaker is also profitable.
From the cases in the product, let's calculate specifically, the transferor transfer amount of 1022 yuan, the principal of 995 yuan, the holding period income of 27 yuan, the holding period of 147 days, the actual yield of up to 6.74%.
This phenomenon is actually quite easy to understand. The total principal and interest of a certificate of deposit are fixed, and the income of 4.95% is an average; since the undertaker gets 4.67% of the income, the missing part of the income is naturally transferred to the transferor.
Another tip, do a good calculation, don't eat a boring loss.
At this point, the product analysis is over, the product is actually very simple, there is a key risk that must be emphasized again: liquidity problems.
The transfer is traded on the transfer platform, and if no one wants to take on the product, then the holder has to hold the product at maturity.
Investors who want to transfer can speed up the transfer transaction speed by reducing the transfer price, and the income obtained is significantly higher than the income of The Balance Treasure.
It is hoped that the transfer mechanism can involve banks or institutions, so as to better improve the liquidity of products.
Hello everyone, I'm a night into the gold. For a detailed interpretation of smart deposits, you can enter the following column to browse the article "Inventory of Smart Deposits of Private Banks, Three Notes, Four Types of Comparison and Analysis";
The column "Analysis and Selection of Wealth Management Products" is usually an analysis and interpretation of bank wealth management, insurance wealth management, funds and other products, and I strive to be fair, objective and comprehensive, with wealth management products as the center, expanding and explaining financial knowledge;
Once an accidental mistake, the price of a penny had to last until the weekend, this wool missed it is a pity!