On July 6th186 yuan, the income of Tian Hong Yu 'ebao was only 0.61.On July 7th, the annualized rate of return fell to 2.2560%, setting a record low since the product was established in 20 13. From more than 6% in the early days to 2.25% now, the yield of Yu 'ebao has dropped by about 4 percentage points.
According to Dong Ximiao, vice president of Chongyang Financial Research Institute of China Renmin University, the sharp drop in yield is mainly due to the relatively loose funds. Moreover, many central banks are cutting interest rates at present, and the Federal Reserve has recently released a signal that it may cut interest rates. The lower interest rate in the whole market will affect the yield of the wealth management market.
Nowadays, the income of the money fund has been decreasing in recent years. Where should I put the change?
First of all, bonds. Under the background of the current big market, the fiscal policy of reducing RRR and interest rates has led to a decline in bank interest rates, so the yield of bonds has risen relatively, so bonds can be chosen.
Secondly, banks, whose interest rates have dropped, can't win CPI now, so give up this method, unless you are a very serious risk-averse, just look for banks.
Third, there are many kinds of funds. Although the money fund's income is reduced, it still has visible income, which is very convenient to choose. Secondly, bond funds that invest in bonds are not risky, and because the stock market is weak, bond funds are popular and have good returns; If the risk tolerance is large and there is little change, you can choose the way of fixed investment of the fund and buy index funds or equity funds at a low market level. Although the risk is high, the later income can be expected.