Money fund has the lowest expected rate of return among all kinds of fund products. Because of its low risk and stable income, many individual investors who have just entered the fund will deposit idle funds in their daily lives into the money fund. Although the money fund's income is low and stable, but the money fund's buying also has certain skills, so how can the money fund buy it cost-effectively?

First, the end of the season and the end of the year

Judging from the historical income data of the Monetary Fund, in special periods such as the end of the season, the end of the year and the Spring Festival, the yield of the Monetary Fund is often higher than other times, especially at the end of the year, and some monetary funds can even reach above 3 yuan.

Because the demand for funds increased at the end of the year, the liquidity of funds was tight, and the market was generally short of money, so the interest rate of borrowing money was higher than usual, and the yield of money funds rose accordingly.

Second, buy 2 days before holidays.

The monetary fund adopts the trading system of T+ 1, that is, the monetary fund bought before T-day 15:00, and the fund company will confirm the fund share on the next trading day (T+ 1).

Money funds will only start to generate income after assets are confirmed, so investors need to buy money funds at least two trading days in advance if they want to buy before weekends and holidays.

For example, the holiday time of the Spring Festival in 2020 is 65438+1October 24th (Friday)-65438+1October 30th (Thursday), and investors need it at the latest at 65438+1October 22nd (Tuesday)15th.

If investors buy after1October 22nd 15:00 (including 65438+1October 23rd), the fund company will not confirm the fund share until the first trading day after the holiday (65438+1October 3rd1).