The Spring Festival holiday is approaching, how to make the funds not idle and continue to create income? Treasury reverse repo, bank wealth management, currency ** and other products may be good choices. It should be reminded that if you want to buy a reverse repo of treasury bonds, today (February 7) is a good time to operate a 1-day reverse repo of treasury bonds, which can earn 11 days of interest in 1 day, and do not delay the investment on the first day after the holiday**. In addition, some wealth management products and currencies** can be purchased before 24 o'clock on February 8 at the latest. For investors who need to spend funds in the near future, they need to understand the rules of product redemption and arrival in advance so as not to affect capital planning. A variety of financial optionsOn the whole, the reverse repurchase of treasury bonds, bank wealth management products, and currencies are all good choices for pre-holiday financial management. Treasury reverse repo is essentially a short-term loan, in which investors lend funds through the treasury repo market, and the interest rate has been determined at the time of lending; Those who need funds use treasury bonds as collateral to repay the principal and interest when due. The yield of reverse repo of treasury bonds is highly correlated with the supply and demand of market funds. It is also a good choice to buy bank wealth management products in advance. Among them, cash management products can be subscribed and redeemed on each trading day, and T+1 is used for subscription and redemption confirmation. Due to the flexibility of subscription and redemption and strong liquidity, cash management products are the best choice for investors to manage short-term idle funds. In addition, currency** can also be considered. Currency ** investment is bank deposits, bond repurchases, interbank certificates of deposit and other low-risk varieties, and there are many currencies in the market that have achieved rapid redemption of t 0 (a daily limit of 10,000 yuan), which can be withdrawn at any time on demand, which is more suitable for small funds with high requirements for liquidity and security. Pay attention to the timing of the reverse repo operation of treasury bondsIt should be reminded that before purchasing, you should pay attention to the time node. Specifically, the interest-bearing days of treasury reverse repo are the days between the first settlement date of funds (the next trading day of the first liquidation date) and the maturity and settlement date of funds (counting the beginning and not the end). The Spring Festival holiday in 2024 will be closed from February 9 (Friday) to February 17 (Saturday). On the whole, February 7 is a good time to operate the 1-day treasury bond reverse repo, and if you participate in the treasury bond reverse repo on February 8, you will not be able to enjoy the benefits of the holiday. Therefore, today (February 7) is the last good time to operate the reverse repo of treasury bonds before the holiday. You only need to invest 1 day to earn 11 days of interest, and you don't delay the first day of trading after the holiday. 
China ** newspaper.
In terms of operation, during the trading session (9:30-11:30 a.m., 13:00-15:30 p.m. on each trading day), usually on the trading page of the trading software, click the "Treasury Reverse Repo" button, select the Treasury Reverse Repo Variety, Lending Interest Rate and Loan Amount. In addition, the operation of treasury reverse repo should not only look at the number of interest-bearing days, but also look at the real-time funds** (interest rate). Pay attention to bank finance, etcProduct DescriptionAccidentally missed the reverse repo of treasury bonds? Hold your horses! There are also other ways to enjoy the benefits such as bank wealth management products and currency**. Compared with the reverse repo of treasury bonds, the income recognition rules of bank wealth management products and currency** are relatively complex, and the time for different investment management institutions to accept product subscription and confirm shares is slightly different, so investors need to read the product description. Taking a wealth management company as an example, some of the company's products can enjoy benefits before the holiday if they are purchased before 20 o'clock on February 8. There are also some wealth management companies that can accept purchases before 24 o'clock on February 8 at the latest. 
It should be noted that for investors who have capital expenditure needs in the near future, it is also necessary to understand and plan the redemption time of financial products in advance, so as to avoid disrupting the plan due to the inability of funds to arrive in time. Taking Yu'e Bao as an example, if you choose ordinary arrival and want the funds to reach the bank account on or before February 8, then you need to transfer the funds out before 3 pm on February 7 at the latest. 
Alipay Reviewer: Ye Siqi Editor: Zhang Diange Producer: Zhang Nan Issued: Fei Yangsheng