At present, many fund sales organizations have launched the service of intelligent fixed investment, which is an innovative model. The purpose of this method is to realize the holding cost and increase the profit opportunities. But also more flexible than the conventional fixed investment method.
Money funds specialize in investing in low-risk money market instruments, which is different from other types of open-end funds and has the characteristics of high security, high liquidity, stable income and "quasi-savings". Monetary fund is a rare financial management tool comparable to demand deposit in liquidity and flexibility. Can be purchased at any time, redeemed at any time, and can receive the redemption amount of 1 to 2 days. The investment threshold of money funds is generally 1000 yuan or even several hundred yuan, which is far lower than the wealth management products of banks. Don't worry, you can't buy it when it's sold out. Weekend holidays also have benefits, leaving no blank period of benefits, and every little makes a mickle, which invigorates the spare money in daily life and really changes people's concept that "you must accumulate a lot of money to invest in financial management".
Product characteristics
1. Principal security: Most money market funds have the lowest risk among all kinds of funds. Money fund contracts generally do not guarantee the security of the principal, but in fact, due to the nature of the fund, the loss of the principal of the money fund rarely occurs in reality. Generally speaking, money funds are regarded as cash equivalents.
2. Strong liquidity: liquidity can be comparable to demand deposits. The fund is easy to buy and sell, with short time to receive funds and high liquidity. Generally, the funds will arrive in a day or two after redemption. At present, some fund companies have opened the instant redemption business of money funds, which can be received on the same day.
3. Higher yield: Most money market funds generally have the income level of national debt investment. Money market funds can not only invest in investment tools that ordinary institutions can invest in, such as exchange repurchase, but also enter the inter-bank bond and repurchase market and the central bank bill market for investment. Its annual net rate of return can generally be compared with the one-year time deposit interest rate, which is higher than the income level of bank deposits in the same period. Moreover, money market funds can avoid hidden losses. When there is inflation, the real interest rate may be very low or even negative. Money market funds can keep abreast of interest rate changes and inflation trends and obtain stable and high returns.
4. Low investment cost: Generally speaking, there is no handling fee for buying and selling money market funds, and the subscription fee, subscription fee and redemption fee are all zero, so it is very convenient for funds to enter and exit, which not only reduces the investment cost, but also ensures liquidity. For the first subscription/subscription, 1000 yuan, and for the second subscription, 100 yuan will be increased.
5. Dividend exemption: Most money market funds always maintain the face value of 1 yuan. The income is calculated every day, and there is interest income every day. Investors enjoy compound interest, while bank deposits are only simple interest. Monthly dividends are carried forward as fund shares, and dividends are exempt from income tax.
In addition, general money market funds can also be converted with other open-end funds under the fund management company, which is efficient, flexible and low-cost. When the stock market is good, it can be converted into stock funds, and when the bond market is good, it can be converted into bond funds. When there are no good opportunities in the stock market and bond market, money market funds are a good haven for funds, and investors can seize various opportunities in the stock market, bond market and money market in time.