Year-End Bonus: Buy Financial Products "Buy Stocks".

In recent days, most of the office workers have received the year-end awards. Are they holding money for the Spring Festival or for investment and management? Yesterday, some banks in the city came to the news that in the financial products issued by banks, there were more stocks linked to the stock market.

For those who do not want to directly share stocks, they can also buy stocks with year-end bonus.

Unlike some of the previous "stock market" financial products, they are mostly bullish on Shanghai and Shenzhen 300 index.

A bank in the city said that the bank issued a financial product on ~12 February 9th, with a duration of 46 days and a starting point of 100 thousand yuan.

"Unlike conventional banking products, this product is bullish on Shanghai and Shenzhen 300 index."

How do they look up? They set up several key indicators in the product, namely, the observation period, the fixed price, the initial price, the end price and the barrier price.

What is the rate of return? There are two cases of the investment yield of the product.

The first case: if the CSI 300 index price has exceeded or equal to the barrier price during the observation period, the annualized yield of the financial year is 7.80%.

Second case: if the CSI 300 index is fixed, the price will not exceed the observation period.

The annual yield of financial management is 3.10%.

According to the reporter, investors should buy this.

In the future, if we want to get the highest yield of 7.8%, in the investment period, the Shanghai and Shenzhen 300 index must reach or exceed 10% of the product's date of establishment.

After buying the financial product, investors can get a certain profit from the rise of the CSI 300 index, but the financial principal is not directly invested in the stock market, but the principal part 100% investment in the local currency.

And money market.

The other bank issued previously linked stock financing products, with an expected rate of return of 8%, and a product of a bank that expects a maximum annual yield of 7.5%.

Combining the information of many banks, we can see that the operation of financial products is very similar.

In the eyes of experts, banks are keen to launch financial products linked to the stock market, mainly at the end of the year, increasing the amount of spare money on hand, and the A share market continues to rise, provoking the enthusiasm of investors in the market.

Observation period: the fixed price from the Beijing time of the founding date 15:00 (including the time point) until the time of 15:00 (including the time point) of Beijing time on the balance day.

Fixed price: if the CSI 300 index is linked, the closing price of the CSI 300 index will be announced on the official website of the Shanghai stock exchange.

Initial price: fixed price on the day of establishment.

Final price: fixed price on the day of settlement.

Barrier price: the percentage of the initial price.