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购买信托是买长期的好还是短期的好
时间:2020-05-19

信托理财买短期还是长期好?近年来,随着老百姓信托理财意识的提高,很多手头富裕的人都会购买信托理财产品。然而“信托理财”不能只关注信托理财产品,资产配置更加重要。如果资产配置不合理,抗风险性就会较低,这也就是我们常说的“鸡蛋不能放在一个篮子里”的道理。信托理财买短期还是长期好下面我们分析一下。

 

长期信托理财的优势

 

一、长期信托理财的收益率要高于短期信托理财。

 

二、买长期信托理财可以锁定当前较高的收益。你现在买1年期的信托理财,收益率是4.7%,接下来银行信托理财收益率会下跌,可能半年后就跌到4.4%,但是你之前买的信托理财还是按照4.7%计息。

 

买长期信托理财有机会成本,未来市场资金面的松紧度,就是政策对信托理财产品收益率的影响。如果市场资金面持续宽松,就优选长点的;否则,就选短期的。因为,资金面越宽松,信托理财产品的收益率越低,此时,可以找收益率较高的,期限适当长的来买。否则,资金面如果持续偏紧,不要买太长的,以便产品到期后,可以买收益更高的。

 

买短期信托理财的利弊有哪些呢?

 

首先优点是短期内可赎回,资金流动性好,可以随时更换收益更高的信托理财产品,但是缺点也很明显,收益普遍偏低,除非资金金额很多,否则整体收益很低。大家根据自己的需要选择信托理财产品期限吧。

 

总体而言,目前银行信托理财产品中期、中长期收益最高,向两端递减,但具体银行的具体信托理财产品情况各不相同,不宜一概而论。

 

信托理财买短期还是长期好?期限只是划分信托理财产品的维度之一,进元财富提示:购买信托还需考虑到平台背景、平台运营状况、风控等都关系到信托理财产品的安全,期限长短并不能衡量一个信托理财产品的好坏,建议投资者综合考虑。因为这些因素,进元财富特意为每个产品做出了风险评估报告,供投资者参考。


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