"Teachers' Financial Products" Are Cold &Nbsp; Experts Suggest That "Stable" Should Be The First.

For most busy teachers, how to invest and manage money becomes a common puzzle when prices rise. The reporter learned from Pudong Development Bank Shenyang branch that it launched a "teacher's exclusive financial product", which requires a working permit to buy, but the effect is not good. Experts say this product is just a publicity stunt for banks, and teachers should be "stable" in the first place.

In recent days, the reporter visited the financial market of Liaoning Province, found that before the Mid Autumn Festival holiday, the traditional ultra short term (3 days) "holiday financing" almost disappeared, and other medium and long-term varieties are also mediocre. But in Pudong Development Bank, Shenyang branch, it found a "teacher's own sound banking financial products". A financial planner surnamed Du said that the product's investment period is 27 days, with an expected annual yield of 4.8% and 50 thousand yuan for sale. It mainly invested in more stable investment targets such as interbank bond market, and the investment risk is small.

Financial planners also revealed, "teachers." Conduct financial spanactions "Specially designed for teachers, the expected annual yield of the product is 0.3% higher than that of the bank in the same period of sale and starting point. In fact, it is to let teachers enjoy the VIP treatment at the threshold of ordinary customers. But compared to other financial products sold out of the day, "teacher financial management" has been launched for 4 days, but there are still many limitations. Sale General.

A financial planner of a state-owned commercial bank in Shenyang said that banks are now trying their best to attract customers, not only innovating products, but also making gimmicks to attract attention. The so-called "teacher financial management", from the perspective of product design, only slightly improves the rate of return, and is not tailored to the characteristics of teachers' profession. A senior high school teacher in a key high school said that teachers had few investment and financial management consciousness, and they usually worked long hours, and they had little energy to manage family finances.

Song Yanqiu, a financial planner of Bank of China Shenyang branch, suggests that teachers should be "stable" in order to buy money, and purchase financial products with different maturities can replace live and time deposits. At present, the annual yield of the one year product has reached over 5%, while the one-year fixed deposit. Rate of return Only 3.5%, and the duration of financial products varied from a few days, 1 months to one or two years, easy to buy. In addition, the fund fixed quota investment is also very suitable for teachers' families. It can participate in the capital market, but also can dilute the cost by diversifying the investment and accumulate a lot of money.