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近期随着资金面逐渐宽松和银行间同业拆借利率回落,“宝宝军团”收益率也随之大幅下降。如果投资者为防范未来的收益率下降风险,最近打算抛弃“宝宝军团”产品,可以转而配置期限较长的理财产品。其实,针对一年甚至更长时间都不会动用的大额资金,市场上很多理财产品的收益率都比互联网理财产品高。2014年4月30日在售的非结构性人民币理财产品中,预期收益率超6%的银行理财产品就有36款,有的甚至高达7%以上。在售理财产品的
With the gradual easing of capital and the interbank interest rate withdrawing recently, the return rate of the “Baby Corps” also dropped drastically. If investors want to discard the “Baby Corps” product in order to prevent the risk of future rate of return declining, they can instead configure long-term wealth management products. In fact, for a year or even longer will not be using a large amount of money on the market many financial products yield higher than the Internet financial products. Of the unstructured RMB-denominated wealth management products sold on April 30, 2014, there are 36 bank financial products that are expected to yield over 6%, with some even exceeding 7%. In the sale of wealth management products