Money funds are mainly funds that invest in the money market, with the characteristics of low risk and stable income. When buying, there are also some tips. So how does the money fund make money by buying? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
How to buy money funds to make money?
Generally speaking, when the market capital is tight, the income of the money fund will rise. For example, the purchase income will be higher at special time points such as the end of the season and the end of the year. Because of the shortage of funds, the overall interest rate of the market will increase, and the income of the money fund will also increase.
Secondly, we should choose a good money fund, so as to get high returns and make money. When choosing a money fund, the first thing to consider is the size of the fund. For money funds, the bigger the fund is, the better, because the smaller the fund is, the more cash it will hold in response to investors' redemption, so the less funds it can invest and the lower its income.
In addition, depending on the operation time of the fund, it is generally better to choose the old fund, because the operation of the old fund is generally mature, there will be some investment experience, and there will be more high-yield varieties, and you can also refer to the past rate of return.
There are two main indicators of the income of the money fund, one is the rate of return per 10 thousand shares, and the other is the annualized rate of return on the 7 th. These two indicators should be taken into account.
Among them, the 10,000-share rate of return refers to the data that the income from the daily operation of the Monetary Fund is evenly distributed to each share and then compared with 654.38+0,000 shares, while the 7-day annualized rate of return refers to the average annual rate of return converted within 7 natural days for every 10,000 fund shares of the Monetary Fund.
How to sell money funds?
The purchase method is different, and the pages sold will be different. Take Alipay as an example: first open Alipay, then search for funds on Alipay's homepage, click to enter the fund page, find the holding in the navigation bar below, click to enter the page, click to buy monetary funds, and click to redeem.
Generally speaking, the flexibility of money funds is better, generally at T+ 1 redemption, and the risk of money funds is very small, and the income is relatively stable, so if you are a conservative investor, you can consider investing in money funds.
Money funds are generally redeemed at T+ 1 after being sold, but there are also some special money funds, such as Yu 'ebao, Bitong, and Current Wealth, which are all docked and support two-hour quick redemption, which is very flexible and can be taken out and deposited at any time.
Take the money fund docked with Yu 'ebao as an example: so far, there has never been a loss. Although the money fund does not guarantee the principal and interest, it is less likely to lose money, and it is more likely to make money by holding it for a long time.
Where did the money go after it was cleared?
After capital settlement, the money goes to his account. For example, the investor is a fund purchased by Alipay, and then the fund is cleared. After the fund is cleared, if it is paid by Yu 'ebao, it will automatically return to Yu 'ebao. If it is paid by bank card, it will automatically return to the bank card.
Fund liquidation refers to the fund converting all equity assets in the portfolio into cash. Generally speaking, fund clearance is the reason why investors are not optimistic about the future market of the fund or the expiration of the product.
It takes a long time in capital settlement, usually as short as 2-3 months and as long as 6 months, to recover the funds. Generally speaking, the fund will be liquidated only after certain conditions are met, and the approval of the regulatory authorities is required before liquidation. It's not that fund companies want to liquidate themselves.
Fund liquidation refers to the realization of all fund assets and the distribution of income to holders. According to the regulations, if the net value of the fund is less than 50 million for 60 consecutive days, or the number of fund share holders has not reached 200 for 60 consecutive days, the fund will be liquidated and terminated.
But even if the fund is liquidated, don't panic. The fund company will leave an announcement to inform in advance, and then return the money to the people after the fund is liquidated. For the basic people, the loss is that they originally planned to hold a fund for a long time, but the fund liquidation will return all the shares held by investors.