What does it mean when you invest that it says one month, three months, six months, one year ?

One month, three months, six months, and one year belong to the term and represent the investment cycle.

Obviously, the investment time, one-month, three-month, six-month and one-year, cannot be withdrawn in the middle of the investment process, and the longer the term, the higher the interest.

This problem is actually the same as when saving money in the bank, such as a one-month death period or a six-month death period. After the deadline, you can withdraw the money to spend. It's just that the benefits are different.

However, depositing in the bank will not lose money, and it is certain to buy investment products, and it is possible to make money or not to the end. Therefore, you need to be cautious when investing.

The time of investment is one month, three months, six months, one year.

During this time, your funds cannot be withdrawn.

This is the concept of time, and the longer the time, the higher the yield.

The longer the time, the higher the return.

The term of these investments is still dividends, and you must ask clearly about the withdrawal, otherwise you will know if you have suffered a loss.

You don't know? How long does it take to invest... 1 3 6 12 months.

The interest rate is not the same, the higher the deposit period, the higher the interest rate and the higher the interest. If you save for a year and need to use it urgently, the interest will be calculated according to the current interest, for example, the original one-year fixed interest rate is 3%, and it will be taken out before a year, and you can only calculate your interest according to the current interest rate.

The deposit period is not the same, the interest rate is not the same, and the interest rate can only be calculated according to the current interest rate if the deposit is not a year. If you deposit for three months and then deposit for three months, you can get three months of regular interest, and you can only get current interest if you don't take out three months...

It must be that the longer the term, the higher the interest. For example, if you have 50,000 yuan, you save a year's regular interest is, if you save for three months and five months, the interest will definitely not be so high, the bank is talking about the annualized interest rate, if you save more, you can deposit the bank's capital-guaranteed wealth management products, in this way, the interest can be high, the time period is not very long, and you feel that you can continue to save when the period comes, if not, refer to something else. Do you understand?

New** offerings generally have requirements for a closure period and a lock-up period;

The so-called closed period, ** closed operation, is generally used to go through the process of fund establishment; The lock-up period is generally the opening period, and the funds raised are used for investment;

For the open** type, the lock-up period becomes an open period, which can be freely subscribed and redeemed. Fixed opening**The lock-up period needs to expire before it can be opened.

It means that it cannot be purchased and redeemed within three months of the closed period, and it can only be redeemed after six months of purchase.

**The closure period may be long or short, but not more than three months. The Investment Law stipulates that the closure period shall not exceed 3 months. During the closure period, it cannot be subscribed or redeemed.

After the end of the closed period, you can subscribe, but you may not be able to redeem, for example, some ** due to participating in the IPO of some companies, ** have a certain lock-up period after listing, so it needs to be extended for a few more months or even a year or several years to redeem. The lock-up period is specified in the ** contract.

1. The expected rate of return refers to the expected rate of return of investors, which may or may not be reached, there is no fixed standard, and the expected rate of return is generally set by the investors in the process of investors, and when the return on investment reaches the expected return, it will take profit.

Wealth management products will give the expected rate of return in advance to investors for reference, when investing in **, ** and other products, there is no expected rate of return as a reference, and those who invest in potatoes can only judge for themselves.

2. The annualized rate of return refers to the rate of return that can be obtained with an investment period of one year, and its calculation formula is: annual rate of return = [(investment income principal) investment days] * 365 100%.

If you have investment and financial needs, you can also log in to the Ping An Pocket Bank APP-Finance-Wealth Management, search for the name of the wealth management product or view the detailed product manual to understand and purchase.

If you need to consult Ping An Bank, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Bank's WeChat*** (Pingan Bank) for consultation.

The expected rate of return is a plan, the annualized rate of return that can be achieved by the original product design plan; The annualized rate of return for the past three months is calculated based on the actual situation of the past three months.

1. Expected rate of return.

Expected annualized rate of return: The annualized rate of return is only calculated by converting the current rate of return (daily, weekly, and monthly) into an adult rate of return, which is a theoretical rate of return, not a real rate of return achieved. Expectation is an estimate of the future situation, which is subjective and **.

However, up to now, there is still no bank whose wealth management products have not been cashed in when they expire. According to the analysis of industry insiders, the process of selling wealth management products by banks, that is, there is no interest in the days before the start of interest calculation, and this period of time is used by the bank in vain.

2. Annualized in the past three months.

The three-month annualized rate of return for a currency** is 2% on that day, and assuming that the currency**'s return in the next year can remain unchanged from the previous three months, then holding it for one year can give you an overall return of 2%. Of course, the daily return of the currency will change continuously with the operation of the manager and the fluctuation of the money market interest rate, so it is unlikely that the income will remain unchanged for one year. Therefore, the three-month annualized rate of return can only be regarded as a short-term indicator, through which it can roughly refer to the recent profit level, but it cannot fully represent the actual annual return of this **.

Extended information: The 7-day annualized rate of return is the annual rate of return converted into the net income per 10,000 shares of currency ** in the past seven days.

1. Currency**.

The daily return of the currency will be unscrupulous with the operation of the manager and the fluctuation of the money market interest rate, and it is unlikely that the income will continue to change for a year. Therefore, the seven-day annualized return can only be regarded as a short-term indicator, through which it can roughly refer to the recent profit level, but it cannot fully represent the actual annual return of this **. The average annualized rate of return of domestic currency** is around 5%, and the benchmark interest rate for one-year fixed deposits is that currency** remains an ideal alternative to short-term savings as a cash management tool with excellent liquidity and security.

2. Indicators. The main purpose of this indicator is to provide investors with more intuitive data for investors to refer to when comparing currency** returns with other investment products. In this indicator, the last seven days of return are determined by seven variables, so the fact that the last seven returns are the same does not mean that the net return per 10,000 shares of ** used to calculate the seven days is also exactly the same.

The 7-day annualized rate of return is the annual rate of return converted into the net income per 10,000 shares** of currency ** in the past seven days.

The expected rate of return is a plan, and the annualized rate of return that can be achieved by the original product design plan; The annualized rate of return in the past three months is calculated based on the actual situation of Wang Zheng in the past three months.

1. The annual expected rate of return refers to the actual expected rate of return obtained by investing in one year, and the calculation formula is: annual expected rate of return = [(expected return in investment) principal) number of investment days] * 365 100%. 2. The annualized expected rate of return in wealth management products refers to a theoretical annual expected rate of return calculated by converting the current expected rate of return of a product into an adult expected rate of return per mu.

3. To put it simply, assuming that the expected return of the product in the next year is consistent with the current expected rate of return, then the expected rate of return that can be obtained after one year of investment is the annualized expected rate of return.

Extended information: Introduction to expected rate of return: 1. Also known as expected rate of return, it refers to the future achievable rate of return of an asset under uncertain conditions.

For the risk-free rate of return, it is generally based on the annual interest rate of the short-term bond. The longest-used and by far most companies in the market risk and return model is the Capital Asset Pricing Model (CAPM), which is based on the assumption that while diversification has the benefit of reducing the company's unique risk, most investors still concentrate their assets on a limited number of assets.

2. Among the models for measuring market risk and return, the capital asset pricing model (CAPM) is the longest-used and still by most companies, which is based on the assumption that although diversification is beneficial to reducing the company's unique risk, most investors still concentrate their assets on a limited number of assets. Another popular model is the Arbitrage Pricing Model (APT), which assumes that investors will take advantage of arbitrage opportunities to make profits, i.e., if two portfolios face the same risk but offer different expected returns, investors will choose the portfolio with a higher expected rate of return, and will not adjust the returns to equilibrium. First, determine an acceptable rate of return, i.e., the risk premium.

Excess risk measures the additional return that an investor needs to make when they move their assets from a risk-free investment to an average venture capital. The risk premium is the difference between the expected rate of return on your portfolio minus the rate of return on risk-free investments. This number generally needs to be greater than 1 to make sense, otherwise it is a sign that your portfolio selection is problematic.

The fixed holding period is divided into "fixed opening" and "holding", such as Xiaoxia's Huaxia Growth Selection 6-month fixed opening mix, which means that from the establishment of **, it is open to subscription and redemption every 6 months, and it is not possible to apply for redemption within these 6 months, the open period is generally about 5 to 20 days, and you have to wait for another 6 months if you miss this open period.

The six-month holding period means that it needs to be held for six months before it can be redeemed, similar to a fixed deposit. There is a fixed holding period to redeem the ** belongs to the closed-ended**, the so-called closed** simply means that it cannot be purchased and redeemed within a certain period of time. Specifically, it refers to the total amount of issuance and the issuance period have been determined at the time of establishment, and the total amount of issuance is fixed within the specified period after the completion of the issuance.

It means that you can't buy and sell this ** for six months after you buy it, and you must hold it for more than six months before you can buy and sell, and most of the new ** are generally restricted, so that the **manager is better to operate and control, and frequent trading is not conducive to the operation of the **manager.

The original ** generally has a closed period of one or two months, a few months, six months, a year and a few years, and it is also the minimum holding period, and the time is not enough, and it cannot be subscribed and redeemed.

This is the meaning of the ** that you must be pure and pure, that is, you must be pure white for six months and you can distribute it freely after six months.

Hello, that is, you have to hold it for six months and you can't sell it.

If you need **commission, 10,000 to open an account, click on the avatar!

It's just that it hasn't moved for 6 months.

Investing is a trading method relative to spot trading, which is developed on the basis of spot trading. An organized method of trading by buying and selling standardized contracts on an exchange. **The object of the transaction is not the commodity (subject matter) itself, but the standardized contract of the commodity (subject matter), that is, the standardized forward contract.

It refers to the trading business for the purpose of obtaining the price difference in the market, also known as speculative business. The market is a market, and the rapid changes in supply and demand will be reflected in the changes. In the language of economics, the raw material of market input is information, and the output product is information.

There will be different views on the future trend at any time, which is the same as spot trading and trading. Some people will be bullish, some people will sell if they are bearish, and in the end, the market will give an answer whether it is correct or not, and the correct one will make a profit, and vice versa.

Investment refers to the economic behavior of a specific economic entity in order to obtain income or capital appreciation in the foreseeable future period, and to invest a sufficient amount of funds or monetary equivalents in kind into the subject matter of a certain field in a certain period of time. Partnership, that is, two or more groups of people give full play to their respective advantages and work together to do something that can bring them economic benefits. Investment can be divided into physical investment, capital investment and ** investment.

The former is to invest money in the enterprise and obtain a certain profit through production and business activities. The latter is to purchase the ** and corporate bonds issued by the enterprise with money, and indirectly participate in the profit distribution of the enterprise. Partnership refers to a for-profit organization established within the territory of China by natural persons, legal persons and other organizations in accordance with the Partnership Enterprise Law of the People's Republic of China, where two or more partners enter into a partnership agreement to jointly contribute, operate in partnership, share profits and share risks for the purpose of operating a common business.

It includes general partnerships and limited partnerships. To put it simply, investment is just to contribute money and not participate in the management of the company and profit from it, while partnership is to contribute together, operate in partnership, and share benefits.