【理财锦囊】 “双节”期间，如何让闲置资金“活”起来？

Core Viewpoint - The upcoming Mid-Autumn and National Day holidays have prompted banks and wealth management companies to intensify marketing activities focused on "holiday returns," offering various investment products to attract idle funds [1][2]. Group 1: Holiday Investment Products - Multiple banks and wealth management firms have launched holiday-specific investment plans, emphasizing "early layout and pre-holiday confirmation" strategies [1]. - For instance, ICBC Wealth Management's "pre-holiday investment guide" allows investors to confirm shares on September 30 for returns during the holiday period from September 30 to October 8 [1]. - Other institutions like China Merchants Bank Wealth Management suggest combinations of cash management and short-term debt products to maximize holiday returns [1][2]. Group 2: Flexible Investment Options - Institutions such as Ping An Wealth Management and Minsheng Wealth Management have introduced similar products that require subscription by September 29 to enjoy holiday interest [2]. - Some companies have extended the subscription and redemption times for certain products, allowing purchases even after regular trading hours, thus enhancing investment flexibility [2]. - A recommended strategy involves a combination of government bond reverse repos and on-market liquidity management products to achieve dual returns during the holiday [2]. Group 3: Alternative Investment Choices - In addition to wealth management products, options like notice deposits and government bond reverse repos are available for conservative investors, with notice deposits offering a higher interest rate compared to regular savings [3]. - Investors with securities accounts can easily participate in government bond reverse repos, which also cover the holiday return period [3]. Group 4: Key Considerations for Holiday Investments - The core principle of holiday investments is "early planning and precise matching," requiring investors to consider factors such as idle fund duration, risk tolerance, and liquidity needs [4]. - Investors are advised to select appropriate product types and configurations to ensure that idle funds continue to generate value during the holiday [4].