What is the annual income 1.5 million yuan?
There is no absolute answer to the change of annual income 1.5 million, and investors should take the actual situation as the standard. The docking of change pass mainly involves all kinds of money fund products. Due to the different investment scope and strategy of the money fund in the exchange, the rate of return will be different. Suppose an investor puts 1 10,000 yuan into a change order, and the annualized income of the selected monetary fund is 1.8%, then the income that can be obtained after one year is =150,000 *1.8% = 2,700 yuan. It should be noted that the income here is based on assumptions and is for reference only. Although the investment risk of money fund is low, it will also be affected by the change of market interest rate, and its income is constantly changing. When the market is bad, the yield of small change may fall.
Can I guarantee the principal?
The advantages of change pass are low investment threshold and good liquidity. Although the money fund connected with it is unlikely to lose money, it does not mean that the ticket exchange is guaranteed. The investment scope of the money fund mainly includes short-term bonds, bank deposits and other money market instruments. Although the default risk of these targets is relatively low, it is not without risk. When the bond issuer fails to repay the principal and interest on time, or the bank is at risk of default, the money fund in the investment account may also suffer losses. If the risk tolerance of investors is very low, then bank deposits can be considered as a financial management method to protect capital. Deposits are guaranteed by deposit insurance, and even if banks have credit problems, investors can get some compensation.