these are only cases

Money funds and bond repurchase earnings or rather "we have now no bank financing products sold within a month, the minimum is 31 days, after a dozen and two dozen days of product sales. "A joint-stock banks in Guangzhou a branch banker told the business daily financial literacy said at the weekend. Main capital stocks (eleven-twenty fifths)Unit fled to cut meat must regret having sudden boom is not likely in a move investors Gospel: hold stocks saved! Recently, in order to put an end to high interest rates put storage in disguise, regulators shut down bank short-term financing within the period of one month after the news of the product, within a period of one month's bank financial products on the market greatly died down trend. "I received a lot ofOther text message banking also is selling products for 35 days, more than 40 days.　　"A foreign bank manager told Ming Pao said. "Were made by the product we're not the one month period, but rolled products also continued to release 7 days.　　"A joint-stock Bank one money manager says, this scroll issuing financial products has not been restricted. For investors, this does notDo not say is the lack of a better investment of short duration and low risk and income.　　According to the information over the past few months Bank issued within one month of the product, annualized yields more than 3%~5%. Whether there are other investments can be used as a substitute?　　This newspaper found through interviews and statistics, money market funds and debt buy-back or a try. Inverse bond repurchase, Annual income for ordinary investors, 3%~5%, reverse repurchase of the bonds may be a very strange way to invest on the amount above the mega-wealthy and agencies, has long been familiar, which is characterized by strong liquidity, deadlines, flexible, less risky. Repo transactions, simply use bonds as collateral to raise funds, loan funds are mortgage bonds that will beReverse repurchase, pledge and access to finance is the repurchase of the bonds.　　Currently on the market of Chinese Government bond repo deals, 1 day, 2 day, 3 days, 4 days, 7 days, 14 days, 28 days, 91 days, 182 days in 9 species, the major products 1 day bond repurchase and a 7-day bond repurchase. Personal exchanges through pledge and repurchase borrowings or loans, you must select a cardCoupons-operating units and sign a pledge of debt buy back trust agreement. A securities company in Guangzhou bond Research Department about this newspaper that the individual investors, the reverse repurchase Basic are among the most secure way to invest investment without risks, as mortgage bonds held in the hand. This year, due to market the cash-strapped, the repo rate is particularly high, more than short-term bank deposits, includingMany organisations focus on bonds, Bank repo transactions, many banks are specifically for this year, tension release some funds invested in money market products, which contain the bond repurchase operation, gives the product a better income. Yields, a Monetary Fund of funds Manager in Beijing on this newspaper that the two or three quarters of this year, bond annualised benefits of reverse repurchase5%, currently at 3%~4%. "Do the bond repurchase, year average is about more than 5%, you know, banks such product yields of around 5%. In June or July this year when the cash-strapped, bond repurchase annualised earnings even as high as 9%~10%. "Such a Guangzhou brokerages bond Research Department said," unless the experience qualification is poorUDIC varieties such as debt, or individual investors do reverse repurchase is very safe way. But compared with the stocks and funds, bond repurchase fewer participants. The repo rate has always been volatile, investors cannot guarantee the rate peaked at a deal. In addition, bond repurchase most of market capital is abundant. If the cash-strapped, the high yield trading liveJump if market liquidity, reverse repurchase it is difficult to find a buyer, and a low interest rate.　　"Monetary Fund: yield for the whole year is expected to break the 4% for the individual investor," fool "for short-term investments, most convenient and easiest is to buy money market fund. This year was a very special year. Due to the Central Bank has taken a number of violent regulation policy, the entire interbank fundsParticularly intense, the money market interest rates continue to rise, which is favourable for money market funds. Varieties of money market fund investment generally include the following categories: term deposits, reverse repurchase, short-term financing bonds. These three types of investment yields of the varieties are closely related to the money market interest rates, funds face a tense, three types of variety yields immediate increase in, The entire money market fund yields are rising. According to the recent money market fund's 7th annual yields per cent to 6% levels. The real rate of return, ending November 22, a total of 77 money market Fund (a and b respectively meters), there are 43 Fund earnings per million units worth more than 300Element, that is, a majority of the money market Fund annual real rate of return of over 3%.　　Guangfa of the best performing currency b, has been 3.74% of the real rate of return. Perhaps this and after the January issue of bank financial products generally yield of 4% per cent compared to slightly less, however, taking into account the increases in both money market fund is a pure product of the spiritLiquidity well above the Bank activity and financial products, such yields are also very impressive.　　When there are better investment opportunities but also in other markets, investors can promptly converted to equity funds money market funds or bond funds, more conducive to improving the efficiency of idle money. Money market funds in the near future also ushered in a great boon, 30% CD castCAP will no longer apply to the capital can withdraw deposit and no loss of interest agreement, this could further push up yields on money market funds. The so-called agreement deposit refers to some banks to money market funds provide a contract period of deposit products star wars the old republic power leveling, funds for liquidity reasons you want to withdraw their deposits, interest at the agreed deposit interest rate. In currencyFunds, investment term deposit valuation change is not an issue, in the case of interbank rates currently at a high level, this is a great investment tool. It is understood that the general reference Shibor agreement deposit interest rates (Bank of Shanghai interbank offered rate), and the latest data show, January, March, June issue of Shibor respectively in the period 5.2993%, 5., 6,692%. Of course, if the future Central Bank's monetary policy relaxation, yields will decline in money market funds. But at least at the moment, still do not see signs of full relax. Now one-year short-term financing bonds with Central spreads are still at historically high levels, and do not have a substantial correction. Yields on money market funds in the period of time also dimensionalRelatively high level, individual achievements by the end of the annual real rate of return is also promising a breakthrough 4%.　　New: pick the time you want to pick stocks in most of the time, "new share" is a low risk and high return of investment, because as long as the stock market not a bear market, break chances of new listings is relatively small. However, on the market this year, newYields on shares is not that impressive.　　Statistics show that assumes that the investors in the online purchase of new shares and debut to average price sold, combined with the first to calculate average prices and online purchase, check rates, yields only an average of 0.1471% new shares this year. This related to the many new shares break in the second quarter. 259 new listings in listing this year, there were 73 listed firstDay break, the worst of the large group (601258.SH), on its first day of the opening price is decreased by 20%, eventually closed down 23.16%. Investors also have a difficult to control the risk, that is, the success rate. On June 2 of double star new material (002585.SZ), created unprecedented high success rate of 65.52%, whichAverage prices fell on the first day of 12.9%, multiplied by two, investors hit the unit, you will lose on the first day of 8.45%. Of course, these are only cases, more new shares in the first was out of good performance, and online play new yields the highest such as Nigel Burley (002601.SZ), on its first day of average price up 77.13%, with 3.74%The success rate can be obtained about 2.88% the new rate.　　But in any case, this still tells us that even more easily than direct trade secondary market stocks, trading of the new shares is not a one-way bet, but picking time, pick stocks higher intellectual investment. In fact, even the Fund Manager, hit new performance is also very bleak this year.Data show that at least 55 funds are playing this year on a new share out of pocket, if the Shen Wanling Tian Bao Yi, only playing 3 new listings, which has a large group, yields two dozen new remained negative earnings after full erase. More subtle approach might be "universal participation". Luen on increased profits bonds, for example, its total new 21 times, spend $ 370 millionYuan of funds, allocated new shares, the total contribution of up to 7.2%. Full year most frequently hit new ICBC Credit Suisse enhanced earnings, participated in 39 new listings, has spent nearly $ 1 billion funding final contribution of new shares is 2.66%. Visible, if investors for stock research does not deep or large city is not sensitive enough, then the net easier to make money, of course, are more likely to drive down averageRate. New debt: difficult operations this year in 2008, became the popular vocabulary for new debt the old republic power leveling, investor participation in corporate bond's enthusiasm is very high. 2008 kingfa issuing corporate bonds of "debt 08 blond" online release, due to corporate bonds purchase, a first-come-first-served basis, investors almost minutes to about $ 200 million share of the online swept away; "08New Lake debt "when listing, online issue of 900 million yuan in just 17 minutes to come to a sold out;" 08 Beijing debt "issue and on the Internet, opening was less than 6 minutes to purchase empty, $ 1.7 billion worth of bonds issued by North Star all sales completed in a day. But times have changed. A Monetary Fund of funds manager told Ming Pao said: "new debt in a fight to see the new bond issuance, secondOnline purchase hot and cold, cold bond is likely no one steal, and the good bond is being qiangguang. In General, individual investors for new debt this year is not very good operation. "" In the past 6 years, bond always maintain the income of the Fund is good record. But the first three quarters of this year, the bond market also presents with the Shanghai and Shenzhen stock markets fall, shares debt has not changed significantlySeesaw effect. Challenges from internal and external causes of bond funds. External causes is contractionary monetary policy spread to the stock and bond markets, short-term impact is large; internal joined the scope of most bond funds invest in convertible bonds and equities, volatility very large.　　"Another fund company managers said. Even so, to participate in new debt will keepLook for opportunities, it also gives individual investors a certain direction. "Proprietary business such as funds, insurance and securities firms, particularly on the corporate bonds and convertible bonds, was the most attention. Recent institutions play annualised yields of new bonds at 3%~5%. "A brokerage of fixed-income, Senior Manager, this newspaper that the eyesight is good for individual investors, this income is notImpossible. But that person also warns that new debt is not without risks, such as August or September this year, the Exchange rare slump on bond market drop, many city investment and debt in just two or three months has gone down by more than 10 Yuan, continue to record lows. UDIC debt collapse spread to the bond market as a whole, when many many new debt losses. "Overall,Comparison of new debt markets at present moderate, not very active. "