土豪炸翻天

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                      女神如何打理“私房钱”?

                      2019-03-06 09:47 来源:京江晚报

                      摘要:金山网讯 “三八”妇女节马上到了,业内专业人士以实例教女神们打理各自的“私房钱”。

                      JINSHANWANGXUN  SUIZHEZHICHANGNVXINGZHUJIANZENGDUO,XIWANGYONGYOUDULICAIWUKONGJIANDENVXINGYEYUELAIYUEDUO,CUN“SIFANGQIAN”HUOXUSHIQIZHONGDEYIZHONGFANGSHI。TIDAO“SIFANGQIAN”,HENDUORENHUILIANXIANGDAOZHENTOULI、MOUGEJIAOLUO、BAOXIANXIANGDENG,SHISHISHANGDANGQIANSHIHENVXINGDALI“SIFANGQIAN”DELICAIFANGSHIYEBIJIAODUO,“SANBA”FUNVJIEMASHANGDAOLE,RANGYENEIZHUANYERENSHIYISHILIJIAONVSHENMENDALIGEZIDE“SIFANGQIAN”。

                      巧用保险 让“私房钱”与自己共成长

                      土豪炸翻天XIAOLINZAIYIJIAGUOQICONGSHIITGONGZUO2NIAN,JIAXINHOUDETAMEIGEYUE1.5WANYUANDEGONGZI。DANSHIGANGGANGJIEHUN,HELAOGONGMEIGEYUEDEFANGDAIJIUXUYAO1WANYUANZUOYOU。KAOZHESHENGCHIJIANYONG,TAXINXINKUKUZANXIALE2WANYUAN“SIFANGQIAN”,QUEBUZHIGAIRUHEDALI。CUNYINXINGLILIXITAIDI,NAQUTOUZIYOUPAYOUFENGXIAN。DUIYUTAZHEIYANGCHURUZHICHANG,GONGZUOSHIJIANBUJIU,GEFANGMIANGANGGANGQIBU,CAIFUJILEIYEBUDUO,CHENGSHOUFENGXIANDENENGLIPUBIANPIANRUO。YENEIRENSHIJIANYI,ZHEIYANGDECHENGZHANGXINGNVXING,KEYIJIEZHUBAOXIANDALI“SIFANGQIAN”,HUODESHOUYIDETONGSHITIGAOZIJIDEKANGFENGXIANNENGLI。

                      DUIYUZHEILEIDENVXINGLAISHUO,“SIFANGQIAN”TOUZIBAOXIANNENGJIZIJIDEWEILAIGENGDUODEBAOZHANG。ZHEIYANGDENVXINGNIANLINGPUBIANPIANQING,JIAONABAOFEIXIANGDUIJIAODI,JISHIXIANQIANGZHICHUXU,YOUZAIFASHENGBUXINGSHI,BUHUIJIJIATINGDAILAIFUDAN。BUGUO,GOUMAIBAOXIANCHANPINSHI,YENEIRENSHITIXINGYAOJIEHEZIJIDESHIJIQINGKUANG,QINGCHUZIJIXUYAOSHENMEYANGDEBAOXIANCHANPIN。TONGSHI,ZHUYIBAOXIANCHANPINDEGOUMAIQUDAOHEBAOXIANCHANPINDESHUXING,MUQIANBAOXIANZHUYAODEGOUMAIQUDAOSHIBAOXIANGONGSIHEYINXINGDAILI,SUIRANTONGYANGXIAOSHOUDEDOUSHIBAOXIANCHANPIN,DANSHICHANPINDEGONGNENGCEZHONGSHANGQUEYOUXIECHAYI,YINXINGDAILICHANPINDUOWEILICAIXINGBAOXIANCHANPIN,BAOXIANGONGSIXIAOSHOUDECHANPINZEDUOWEIBAOZHANGLEICHANPIN。“GOUMAIBAOXIANQIANYIDINGYAOKAOLVQINGCHU,BIJINGBAOXIANDADUOJUYOUYIDINGDEJIAOFEIQIXIAN,YIDANGOUMAIJIUXUYAOANSHIJIAONABAOFEI,FOUZETUIBAOHUICHUXIANSUNSHIDE。”GAIYENEIRENSHITIXING。

                      善用理财 让“私房钱”更稳健

                      XIAOMEISHIYIJIAYOUERYUANDELAOSHI,GONGZUO8NIANDETAZIJISHOUZHONGYOUYIBIEDUZHONGDENGDE“SIFANGQIAN”。XIAOMEIZHIQIANGOUMAILICAICHANPINSHI,FENGXIANCEPINGWEIWENJIANXINGTOUZIZHE。YENEIRENSHIBIAOSHI,DUIYUNVXINGLAISHUO,BUFAZHUIQIUWENJIANSHOUYIDETOUZIZHE,ZHEIXIENVXINGBUFANGJIEZHULICAICHANPINRANGZIJIDE“SIFANGQIAN”ZENGZHI。

                      SHISHISHANG,LICAICHANPINBANGJIEYIJINGCHENGWEIDAJIAXINRANJIESHOUDEXIANXIANG,BIJINGJIEJIARIDETEGONGLICAICHANPINSHOUYILVYAOBIPINGCHANGLVEGAOYIXIE。“SANBA”FUNVJIEMASHANGDAOLE,YIXIESHANGYEYINXINGRUWANGNIANYIYANG,CISHITUICHULEZHENDUI“NVSHENJIE”DETEGONGLICAICHANPIN。YIYIJIASHANGYEYINXINGTUICHUNVSHENJIEXIANXINGKUANLICAICHANPINWEILI,MUJIQI3YUE3RIZHI3YUE5RI,TOUZIQIXIANWEI88TIAN,QIDIANJINE1WANYUAN,NIANHUAYEJIBIJIAOJIZHUNFENBIEWEI4.1%;GAIXINGMIANDUIPUTONGKEHUDELICAICHANPINTOUZIQIXIAN93TIAN、184TIAN,QISHOUJINEWEI5WANYUAN,NIANHUAYEJIBIJIAOJIZHUNFENBIEWEI4.03%、4.02%。

                      BUGUOYENEIRENSHITIXING,LICAICHANPINBUTONGYUYINXINGCUNKUAN,YIDANGOUMAIBUNENGSUISHIZHIQU,JIANYINVXINGTOUZIZHE,GOUMAIQIANYAOKAOLVHAOZIJINDELIUDONGXINGJICHANPINDEQIXIAN。RUGUOZHEIBIQIANDUANSHIJIANNEIBUYONG,JIANYIJINLIANGBUYAOGOUMAITOUZIQIXIANGUODUANDECHANPIN,RUGUOCHANPINDAOQILEYOUMEIYOUXUANZEHESHIDEXIANJIECHANPINDEHUA,HUIYOUYIDINGDESHOUYISUNSHI。BIJING“SANBA”FUNVJIEZHENGZHIYIJIDUMO,WEILAISHICHANGZHONGLICAICHANPINRENGYOUSHOUYIXIAJIANGDEYUQI,TOUZIZHEKEYIJINLIANGXUANZEZHONGZHANGQIDECHANPIN。CIWAI,TIAOXUANLICAICHANPINSHI,NVXINGTOUZIZHEHAIYAOJIEHEZIJIDESHIJIFENGXIANCHENGSHOUNENGLIJINXINGXUANGOU。BIJINGLICAIFEICUNKUAN,TOUZIYOUFENGXIAN。

                      抢大额存单 “私房钱”收益高、更保险

                      土豪炸翻天XIAOTAOZAIYIJIAGUOQISHANGBAN11NIAN,YIFAJIANGJINTAJIUXIHUANCUNQILAI,DAOXIANZAIDAYUEJIZANLE20WANYUAN“SIFANGQIAN”。ZHEIMEDUONIANLAI,SUIRANTOUZICHANPINDUOZHONGDUOYANG,DANSHITAJIUXIHUANCUNQIAN,RENWEIZHEIYANGZIJIDE“SIFANGQIAN”CAINENGWENWENDANGDANG。ZAIYENEIRENSHIKANLAI,XIANGXIAOTAOZHEIYANGDENVXING,TAMENDADUOSHENGHUOWENDING,DANXINWEILAIDEBUQUEDINGXING,GENGJIAZHUZHONG“SIFANGQIAN”DEANQUANXING。DUIYUZHEIZHONGLEIXINGDETOUZIZHELAISHUO,DAECUNDANLEICHANPINGENGSHIHETAMEN,BAOZHENGBENJINANQUANYOUBAOZHENGSHOUYI,ERQIEDUOJIAYINXINGDAECUNDANZHICHIANYUEFUXI,SHENZHIYOUDEYINXINGHAITUICHUXINGNEIQUANEZHUANRANG,MANZUTOUZIZHEDUIYUZIJINLIUDONGXINGDEXUQIU。

                      业内人士表示,自2015年开始,个人大额存单作为一种新的银行存款类金融产品,各家银行纷纷上市。自上市以来,由于其投资期限较为灵活,满足投资者多元化的理财需求。与传统的储蓄不同,大额存单购买十分便捷,柜台和电子渠道都可以购买。各期产品年利率在整个市场中也有一定优势。目前,针对“女神节”,有银行推出大额存单产品,起购金额20万元,投资期限3年,年利率4.13%至4.18%。不过由于现阶段对于大额存单,多家银行都有了额度限制,部分银行将额度分批投放,一般月初时额度相对充足,喜欢存单的女性投资者可以此时出手抢购。业内人士提醒,大额存单产品较适合长期稳定的投资者,购买时投资者要慎重选择投资期限,否则提前支取的话收益将按照活期计算,会给投资者造成一定的损失。(宋娜)

                      ZERENBIANJI:BAOJIANHUA

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