First, the security of Harvest's ultra-short debt
The risk rating and medium-low risk of Harvest's ultra-short debt are equivalent to the regular wealth management products of Alipay and Licaitong. Although the risk is slightly higher than that of the money fund, the security of the principal is still good.
General investment/KLOC-bonds within 0/year. When the bond market is depressed, you can all invest in the deposit target, which can control the risk well.
Since the establishment of 12, Harvest Ultra-short Bond Fund has achieved positive expected returns every year, with accumulated dividends of 1 17 times, and it is a bond fund that makes money for 12 years in a row. Judging from the historical performance, its security is still guaranteed.
Second, the expected yield of Harvest's ultra-short debt.
As a fund, Harvest's ultra-short debt does not have the expected expected rate of return like conventional financial management. We can judge how high the expected return of investing in this fund is from the periodic growth of the net value of this fund.
According to the data of Tian Tian Fund Network, Harvest's ultra-short debt 20 18 increased by 4.6%. During the ten years from 2007 to 20 17, the lowest annual increase was 0.65% and the highest annual increase was 6.6%. The stock market continues to be depressed, the money market is loose, the market interest rate has a downward trend, and the upward trend of the bond market should continue. Therefore, the expected yield of Harvest's ultra-short debt this year should be improved.
Compared with money funds, short-term debt funds have a wider investment scope, but their expected returns fluctuate greatly. The expected rate of return of the money fund is not ideal, and the expected rate of return of Yu 'ebao does not exceed 3%. However, Harvest's ultra-short debt has relatively high expected income, flexible investment period and no limit, and is more suitable as a current wealth management product.