理财产品净值确认
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李大爷节假日理财不犯愁:两条小贴士,理财收益“不放假”
Zhong Guo Zheng Quan Bao· 2025-12-03 16:30
Core Viewpoint - The article emphasizes that investment products can still generate returns during holiday periods, depending on the type of assets they are invested in and the specific terms of the products [1][2]. Summary by Category Investment Products - Fixed income assets, such as bonds and deposits, continue to accumulate interest during holidays, while equity assets, like stocks, do not generate capital gains due to market closures [1][2]. - Most fixed income and some equity investment products can provide opportunities for returns during holiday periods [2][3]. Investment Strategies - Investors are advised to purchase investment products that confirm shares before the holiday to ensure they can benefit from returns during the holiday [3][4]. - Two key strategies for maximizing returns during holidays include selecting products with "share confirmation" before the holiday and those that confirm based on the net asset value (NAV) prior to the holiday [3][4]. Product Features - The majority of investment products have a share confirmation date of T+1, meaning investors should plan to make purchases on the second-to-last trading day before the holiday [3][5]. - Some products allow for NAV confirmation based on the last trading day before the holiday, enabling investors to enjoy static interest returns during the holiday [4][5]. Market Behavior - Returns from certain net value-based investment products may not be immediately visible during weekends and holidays, but will be reflected on the first trading day after the holiday [7][8]. - The "Easy Enjoy" series of investment products from Shanghai Bank's subsidiary allows for NAV confirmation before holidays, providing an opportunity for holiday investment returns [8].