With the stock market and fund market plummeting, many products that sold well in previous years have been left out in the cold, and interbank deposit certificates funds have become the new favorite of the market, and the issuance is still heating up, but many investors don't know enough about them. So now, do you lose money by buying interbank deposit receipt funds? What is the risk of interbank deposit receipt funds?

What is the risk of interbank deposit receipt funds?

Inter-bank deposit receipt fund is more risky than money fund but less than stock fund, and its income level is between money fund and short-term debt fund. It is a recognized substitute for goods in the market. Interbank deposit certificate funds invest more than 80% of their funds in interbank deposit certificates, that is, interbank passbook.

Interbank deposit receipt fund is a book-entry time deposit certificate issued by banks and other deposit-taking financial institutions in the interbank market. It is a short-term financing tool for banks, with a term of no more than one year, good liquidity and high security. For example, the person who repays credit bonds is an enterprise, and the person who repays interbank deposit certificates is a bank.

Do you want to buy the loss principal of the Interbank Deposit Certificate Foundation now?

It doesn't break the principal, but the probability of principal loss is very small, which belongs to the fund with low and medium risk, because the interbank deposit receipt fund invests in cash assets, much like the money fund. From the perspective of risk-return ratio, the interbank deposit receipt index fund is higher than the money fund and lower than the pure debt fund.

Under what circumstances does the Interbank Deposit Certificate Foundation lose money?

The timing of buying is not good. The yield of interbank deposit receipt funds is calculated according to the rise and fall of net value. The net value will rise most of the time, but there will be times when the net value will fall. If investors don't grasp the timing of buying, for example, investors buy in positions with higher net worth and sell in positions with lower net worth, it is a loss.

The popularity of interbank deposit certificates shows that it meets the needs of investors, but it certainly does not mean that such funds are suitable for everyone. Interbank certificates of deposit funds are more suitable for investors with strong security needs and low requirements for liquidity and yield.