I. Monetary Fund
Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. It is committed to investing in low-risk money market instruments. Different from other types of open-end funds, it has the characteristics of high security, high liquidity, stable income and "quasi-savings".
Due to the emergence of digital currency, a new type of money fund-virtual money fund has appeared in the field of money fund.
Second, a money fund with good returns.
No 1: pioneer day Tian Li currency a
The 7-year income is 3.509%. The Fund was established on April 20 14 17, with the latest scale of 39 million yuan.
2 nd place: Huitianfu Quanbao Currency
The 7-year income is 3.376%. The Fund was established in 20 13, 12 and 13, with the latest scale of1402.97 million yuan.
Third place: E Fund's margin currency A
The 7-year income is 3.288%. The Fund was established on March 29, 2003+2065438, with the latest scale of RMB 0.0 1 100 million.
4th place: Puyin AXA Currency A
The annualized income on the 7th is 3.247%. The fund was established on March 9, 20 1 1, with the latest scale of 250 million yuan.
5 th place: the wealth of the country enjoys the currency.
The annualized income on the 7th is 3.2 19%. The fund was established on May 22, 2007, with the latest scale of 565,438+22 million yuan.
Sixth place: Xincheng Currency A
The annualized income on the 7th is 3. 19 1%. The fund was established on March 23, 200011year, with the latest scale of1050,000 yuan.
7th place: Bank of Communications Tianlibao Currency E
The annualized income on the 7th is 3. 129%. The Fund was established in 20 16, 10, 19, with the latest scale of 72 10/00000 yuan.
Eighth place: ETFH, the currency of financial management in the South.
7-day annualized income 3. 1 12%. The fund was established on February 5, 20 14, 14, with the latest scale of 35 million yuan.
No.9: ETFA, southern financial currency.
The annualized income on the 7th is 3. 1 1 1%. The fund was established on February 5, 20 14 and 14, with the latest scale of 26.502 billion yuan.
Issue 10: ETFE, southern financial currency.
The annualized income on the 7th is 3. 1 1%. The Fund was established on June 5, 2009, with the latest scale of RMB 0.0 1 100 million.
The income of the money fund changes at any time. Today's income is the highest, and tomorrow's income may not be high. Therefore, users should not pay attention to the highest income when purchasing goods comparison funds, but need to pay attention to the highest income in the recent period. Only by buying such a money fund can we have good returns.
When users invest in money funds, they must choose consecutive fund trading days and transfer them before 15. Only in this way can the invested funds be confirmed the next day and the benefits can be obtained the third day. If it is transferred after 15, it is equivalent to the next trading day, and the confirmation time will be extended.
Now money funds can be purchased online and can also be used for consumption after purchase. Large redemption needs to be applied in advance; The investment scope of the Monetary Fund mainly includes securities such as treasury bonds, bank time deposit certificates, short-term bonds, interbank deposits or corporate bonds (with high credit rating). These investment areas have relatively high safety factors and relatively stable returns, which are good financial products.
Third, how to choose a monetary fund
1, look at security first. In all investments, safety should be the primary consideration.
Many people invest in the money fund because it is convenient. The security of the money fund largely depends on whether it can be realized at any time, that is, the liquidity problem.
In terms of liquidity, we can pay attention to the redemption time of the money fund. (Basically, you can confirm the share on T+ 1. )
The redemption time should be fast enough to prove that the fund has sufficient liquidity. The redemption time of some funds needs T+ 1 day, or even T+2 days (the balance treasure is generally redeemed within two hours).
2. Secondly, it depends on profitability. On the premise that the principal is safe, of course, the higher the income, the better.
At present, the annualized income of the money fund is mostly in the range of 2%-4%. If the annualized interest rate is too high, we should pay attention to whether the fund is risky. After all, the benefits are directly proportional to the risks.
3. Then pay attention to the scale and strength of the fund. Funds with strong background can often get higher negotiated interest rates in banks, and they are more comfortable to trade.
When choosing a money fund, the strength of the fund company and the establishment time of the fund often become factors to be considered. After all, an enduring fund has always been tested by the market.
Finally, it depends on the transaction cost. Although money funds are financial products with relatively low transaction costs, there are always differences between different money funds. Choosing a fund with lower cost will reduce the loss of funds in the transaction process.