Since the advent of Yu 'ebao, ordinary people have come into contact with and liked the money fund, and its madness even forced the regulatory authorities to introduce a series of measures to restrict it. Facing the numerous products in the money fund market today, how should people choose? The following is Bian Xiao's collection of 202 1 methods for choosing money funds _ What are the characteristics of money funds? I hope I can help you.
What are the selection methods of money funds?
1 The safety of funds is the first priority. Because the family or individual determines the use of funds qualitatively, the safety of funds is the first, so you can refer to the star rating of Morningstar when choosing the fist products of well-known fund companies. The higher the star rating, the higher the safety factor.
The liquidity of funds is also very important. When we want to control this fund, we can use it in the shortest time. At present, general money funds can be redeemed at T+ 1, that is, they can be redeemed before 3 pm on the trading day and basically after 5 pm the next day. At present, there are also T+0 redemption funds. In the case of high safety factor, the speed of fund arrival can also be used as a priority condition for selecting funds.
3. The rate of return of the fund. Under the condition of meeting the security and liquidity of funds, the income of funds can become an important consideration standard for people to choose funds. People pay attention to the annualized rate of return of money funds. Generally, the higher the annualized rate of return, the higher the return they get.
Now the expected rate of return of the money fund in Yu 'ebao is getting lower and lower. In fact, people can find some other money funds to allocate themselves. As long as we compare the above aspects, I believe we can find an excellent money fund.
What are the characteristics of money funds?
The high liquidity of 1 is mainly reflected in the convenient redemption mechanism. Now many money funds support real-time redemption. Generally, the redemption amount can be received in real time within 10000. If the amount is greater than 10000, you need to withdraw money on the next trading day.
Low risk: the basic assets of money funds are money market instruments, which are generally issued by institutions with high credit, such as central banks, governments, large commercial banks and large state-owned enterprises.
3 Stability of income: There is a positive correlation between the yield of the money fund and the market interest rate, but China's financial environment is relatively stable, and the market interest rate will not fluctuate greatly in the short term, so the income of the money fund is relatively stable.
It should be noted that money funds also have a certain chance of losing money in some extreme cases. For example, during the share-trading reform, new shares began to be issued intensively. Because the new yield is much higher than the cargo base, there was a huge redemption on the cargo base that day. In order to cope with large-scale redemption, fund managers had to sell their bonds, but at this time they encountered a downturn in the bond market and suffered losses.
Matters needing attention in purchasing Xiaobai Fund
1 Don't cut the meat, don't chase the price. Buying a fund is really about mentality. You must be patient. It is normal for the market to go up and down. You must treat it with normality and control yourself. I often forget that the brain and hands are always out of control. Be careful!
Be sure to use spare money to buy funds, because even if the leek is cut, it will not have much impact on your life.
Man Cang, you can't put all your money into one fund at once, and you can't invest a lot directly.
4 it is best not to operate the fund frequently. Depending on the long-term benefits, you can choose a fixed investment.
5 when buying a fund, you must know the risk range you can bear. Stock type mixed index bond type. Of course, the greater the risk, the greater the income, depending on how you choose.