1. yield: the yield of new Jinbao is slightly higher than that of traditional bank savings account, because the money market instruments it invests in usually have a certain return. However, it should be noted that the yield of money funds is usually low, which is not suitable for investors who pursue high returns.
2. Liquidity: The liquidity of Xinjinbao is relatively high, and investors can transfer funds to their bank accounts at any time. This makes the new Jinbao very suitable as a storage option for short-term idle funds.
3. Risk: Although the money fund is considered as a relatively safe investment tool, there are still some market risks. Because the price fluctuation of money market instruments is relatively small, the risk is relatively low. But investors still need to know the market risk and the risk control ability of fund management companies.
4. Fees: Investment in new Jinbao usually does not charge subscription and redemption fees, but management fees may be charged. Investors should pay attention to understanding and comparing the cost levels of different institutions.
To sum up, it is a relatively stable and safe choice for individual investors to choose Xinjinbao as the storage method of short-term idle funds. However, investors should comprehensively consider the characteristics of different investment options according to their own risk tolerance and investment objectives in order to make the most appropriate investment decisions.