What are the short term financial management with an annualized return of more than 5, who knows, th

Let's start with the banks. I know that there are short-term financial management of Bank of Nanjing and ICBC that can exceed 5 points. I don't know how long you mean by short-term.

The shortest trust is one year, and now there is a trust within a TOT trust. There are also 3 months, and the income can also exceed 5 points. There are also trusts** as well.

In addition, I will focus on the current hot-selling P2P short-term creditor's rights financial management projects in Beijing. Advantages:1

Short term - investment period 3-12 months; 2.High income - annualized return of about 13%; 3.High security - risk control such as trusts, secured and guaranteed.

4.The threshold is 100,000 yuan low, and 10,000 yuan is increased. Achieve stable asset appreciation through the transfer of individual claims and their income rights.

1. Choose the right person and invest in shares as a shareholder;

2. Lend your own money and other people's money to the business owners who need money the most, and learn to control risks and eat higher interest than the bank;

3. Choose the right industry to be your own boss when the conditions are ripe;

Annualized rate of return on the previous day: It generally indicates the annualized rate of return on the previous day of the financial plan. The calculation formula is: (net value announced on the current day - net value announced on the previous day) net value announced on the previous day * 365.

Annualized rate of return: refers to a theoretical rate of return that converts the current rate of return into an adult rate of return. The formula is: (Net value on the day - Net value one year ago) Net value one year ago.

7-day annualized rate of return: generally refers to the annualized rate of return per 10,000 shares of currency** in the last 7 days, converted into the net income of **share. For example, the data announced on January 9 is calculated by adding up the revenue per 10,000** units from January 2 to 8.

Performance benchmark: It is to set an expected goal that is to be achieved and possible for wealth management products, **, trust and other products, and the final actual result may be higher or lower or equal to the goal. The final income of the product is subject to the operation of the product at maturity.

The annualized rate of return of wealth management is a theoretical rate of return obtained by converting the current rate of return of wealth management products into an adult rate of return, rather than an actual rate of return. The reference rate of return of the annualized rate of return of general wealth management can be the daily rate of return, weekly rate of return, and monthly rate of return, and the annualized rate of return = daily rate of return * 360 = weekly rate of return 7 * 360 = monthly rate of return * 12.

1. The difference between the annual rate of return and the annualized rate of return

The annual rate of return is the ratio of the actual return of an investment in one year. This ratio is fixed, stable, does not fluctuate from day to day, has low risk, and the return at maturity can be directly calculated.

The annualized rate of return is the return of an investment (commonly used by currency**) over a period of time (such as 7 days), assuming that it is at this level for a year, and the converted annual rate of return. Because the annualized rate of return is variable, the annual rate of return is not necessarily the same as the annualized rate of return.

Second, the income of mainstream financial management methods

1.Bank fixed deposits, with an annualized rate of return of 1%-3%.

2.Savings Treasury Bonds, annualized rate of return.

3.Cargo base, annualized rate of return.

4.Principal-guaranteed bank wealth management, with an annualized rate of return of 3%-5%.

5.Internet wealth management, with an annualized rate of return of 6%-12%.

6.The annualized rate of return is floating for bond base, regular investment, **, etc.

3. Seven-day annualized rate

Many currencies** will have a 7-day annualized rate of return, just like Yu'e Bao, as soon as you open the page, you can see what the 7-day annualized rate of return is. This yield is based on the earnings of the past 7 days to calculate the annual return. The seven-day annualized return is an average of the daily yield for the first 7 days, multiplied by 365, to get the estimated return for one year.

The seven-day annualized income is generally only used for currency**, and the annual interest rate is widely used, many financial products are given annual interest rates, and investors should calculate the real income according to the term of the product. Compared with bank wealth management and currency, the online loan industry is now also the family financial management method chosen by many people, especially in 2017, after several years of development and regulatory efforts, especially the emergence of depository banks, which greatly reduced this kind of risk.

Annualized rate of return = (investment income principal) (investment days 365) 100%.

Annualized Return = Principal Annualized Rate of Return. Actual return = principal annualized rate of return 365 investment days.

The annualized rate of return is the rate of return obtained for the investment period of one year, which is to convert the rate of return of the current period of time into the rate of return of one year, not the actual rate of return of one year, which can be 1 day, 1 week or 1 month. The annualized rate of return is variable, so the annual rate of return is not necessarily the same as the annualized rate of return.

If the annualized return of a product is 4%, the annualized return level of 10,000 yuan of wealth management funds must reach 400 yuan.

The annualized rate of return refers to the rate of return that can be achieved by the invested capital in a year, and the formula for calculating it can be obtained by dividing the income by the principal amount invested

Annualized rate of return Yield divided by principal.

The annualized return of financial management is calculated according to the age of the whole year, from the beginning to the end of each year, and then there will be a rate of return.

Since the new regulations on asset management, bank wealth management has transformed to net worth, and bank wealth management income has been declining year by year.

However, if we can carefully select and discern the pearls, we can still find bank wealth management products with an annualized rate of return of more than 5%.

Discover from the channel.

China's banking system consists of several levels, the first batch is the four major state-owned banks, then the country's well-known commercial banks such as China Merchants Bank, Industrial Bank, etc., followed by urban commercial banks, rural credit cooperatives, private banks and so on.

Large banks have strong comprehensive business capabilities, but the cost performance of wealth management products is not high, and the yield of small joint-stock banks or some urban commercial banks is relatively high, after all, this is the best way for them to compete for market share. If we want to find products with higher returns, we can look at these banks, rather than keep staring at banks such as China Agricultural Industry and Diplomatic Relations.

Find out from the investment horizon.

In investment, there is an impossible triangle theory, which is simply understood to mean that it is impossible for a financial product to achieve low risk, high return and high liquidity at the same time, if we need high risk and low return, we need to sacrifice part of the liquidity.

According to the different terms, bank wealth management can be divided into closed, open and fixed-open.

Closed-end products cannot be bought and sold during the closed period, they can only be held to maturity, open-ended products can be traded at any time, and fixed-open products are open regularly and can be traded during the open period.

If you want to get a yield of more than 5%, you can only consider medium and long-term fixed-opening products or closed-end products.

Find out from the risk factor.

We can simply divide into principal-protected and non-principal-protected products, and products with an annualized return of more than 5% should basically be selected from non-principal-protected products, unless you have a very large amount of funds.

With the gradual decline in yields, even the medium and long-term non-guaranteed wealth management returns of small and medium-sized banks may not reach more than 5%, so we need to compare the wealth management yields of different banks.

Investors always hear how much the annualized expected rate of return is when investing in ** or wealth management products, so how to calculate the interest if they know the annualized expected rate of return? In fact, the annualized expected rate of return is the expected rate of return obtained if the investment period is one year, and it is not as simple as direct multiplication. So, what is the expected return of a wealth management product with an expected annualized expected return?

Let's take you through the math.

1. The meaning of the expected annualized expected rate of return

In fact, the meaning of the annualized expected rate of return can be explained by the formula as: total interest income = investment amount * time period;

The addition of the word "estimate" means that after the product issuer estimates through the market, the highest possible expected rate of return of the product, so the expected rate of return cannot represent the actual expected rate of return, and the actual expected rate of return will be slightly lower than the expected annualized rate of return.

2. The calculation method of the expected annualized rate of return interest

Based on the above implications, we can see that even if the expected annualized expected return is, it does not mean that investors will have so much expected return in the end, but we can estimate the expected return of the product.

Suppose that the expected annualized expected rate of return of a wealth management product is 180 days, then we can get the expected return after investing 100,000 yuan and meeting the deadline?

Total interest income = investment amount * time period = 100,000 * yuan;

Therefore, if you invest 100,000 yuan in a 180-day wealth management product with an expected annualized expected return, the total expected return is 2,250 yuan.

The annualized income rate is that 10,000 yuan can earn 545 yuan a year.

The annualized rate of return refers to the rate of return obtained for an investment period of one year. The calculation method is: annual rate of return = [(investment income principal) investment days] * 360 100%; Annualized Return = Principal Annualized Rate of Return.

The annualized rate of return is calculated by converting the current rate of return (daily rate of return, weekly rate of return, and monthly rate of return) into a high annual rate of return, which is a theoretical rate of return and is not a real rate of return that has been obtained.