1, depending on the company. To invest in money funds, it is necessary to examine the investment ability of fund companies in the field of money funds. Generally speaking, for large fund companies with fixed expected annualized expected income management assets, the performance stability of money funds is relatively high. For example, E Fund, a veteran powerhouse, has more than 9 years of experience in managing money funds, and has achieved remarkable results in liquidity management, accumulating rich experience, which is conducive to ensuring the investment performance of money funds.
2. Look at the performance. Making money is the last word, and another criterion for screening money funds is to see whether their past performance is stable. On 20 12 and 20 13, the expected annualized expected return of E Fund Currency A exceeded 4% for two consecutive years. The established Yifangda Easy Finance Fund is an Internet money fund specially set up for Internet customers, and the expected annualized expected income continues to perform well. In the past month, its historical expected annualized expected return has remained at 4.
3. Look at the scale. As a cash management tool, Monetary Fund has to deal with frequent redemption applications every day. The larger the scale, the smoother the impact of capital inflow and outflow, and the more stable the expected annualized expected return of the money fund. The total size of the money fund managed by E Fund is nearly 40 billion yuan, which can effectively cope with the short-term liquidity shock of the market and ensure the stable performance of the money fund.
4. Look at the function. Among many money funds, money funds deeply bound to banks are generally more practical. In terms of function development, this kind of money fund is usually combined with balance management, automatic credit card repayment, transfer and remittance, online shopping mall and other services, which greatly enhances the payment ability of the money fund. Secondly, because banks have more mature and powerful network technology, risk control and closed loop of teams and funds, they have more outstanding advantages than other platforms in terms of security.
5, it is convenient to look at. Finally, as the most important point, the liquidity of the money fund is also very important. Money market funds that can withdraw cash at any time (that is, T+0 service) have become investors' first choice.