Investors who prefer to trade can transfer their funds into money market funds, immediately convert or buy partial stock funds or other investment varieties when the market is good, and redeem them into money market funds when the market fluctuates, so as to ensure the flexibility and freedom of capital inflow and outflow, capture the opportunities of market funds in an all-round way and have the benefits of money market funds.
2, the family's payee: a good housekeeper of cash.
If you want to get a higher income than the bank demand, and at the same time, it is as convenient and safe as bank deposits, and funds can freely enter and leave, then you may wish to buy this safe, liquid and stable money market fund, which will become your ideal cash management tool.
3. Credit card users: smart "repayment"
You can make full use of the interest-free repayment period of your credit card, temporarily buy the repayment funds into money market funds, enjoy the benefits during the interest-free repayment period, and then transfer the repayment funds when the repayment date approaches.
How to choose a good fund
1. How to choose a good fund: Look at the scale.
The larger the scale, the smoother the impact of capital inflow and outflow, and the more stable the income.
2. How to choose a good fund: Look at the functionality.
Huitianfu provides all-weather real-time redemption, Penghua provides the account at 9: 00 the next morning, Guangfa provides repayment, Huaan can do online banking, and Huaxia provides the benefits of enjoying the proceeds on the day of redemption. Major fund companies are strengthening the functional innovation of money bags, expecting more surprises.
3. How to choose a good fund: Look at the company's product line.
Product-rich fund companies will help investors switch stock bases in time when the stock market rebounds (or switch bond funds when the bond market is booming), saving money.
4. How to choose a good fund: Look at liquidity.
At present, a number of funds have launched the T+0 service of the money fund, which can be received on the day of the transaction.
5. How to choose a good fund: Look at the classification.
Cargo bases are generally divided into two categories: A and B. The starting point of subscription (additional) amount of Class A is mostly 65,438+0,000 yuan, and that of Class B is one million yuan. However, the income of class B is generally higher than that of class A.
6. How to choose a good fund: look at historical income?
There are two standards to measure the income difference of similar money funds of different fund companies (arrows point respectively): 7-day annualized rate of return; Earn ten thousand copies.
Money funds have high returns. For friends who don't understand investment and financial management, it is really a good way to know the ranking of money funds!