What is the Interbank Deposit Certificate Index Fund?
If you want to know the index funds of interbank deposit certificates, you must know the interbank deposit certificates. Interbank deposit certificates are similar to short-term bonds issued by banks to financial institutions. Deposit-taking financial institutions can determine the issuance amount and duration of each interbank deposit certificate by themselves within the filing quota of the current year, but the single issuance amount shall not be less than 50 million yuan. Interbank certificates of deposit have good overall liquidity and high security, and are relatively good liquidity management tools and money market investment tools. The main investors are commercial banks, insurance, funds and so on. The index fund of interbank deposit certificates is a fund that invests in interbank deposit certificates.
What are the characteristics of interbank deposit index funds?
1. is positioned as a new choice for idle money management. Compared with traditional financial management, it has a wider investment scope, a more active operation strategy and a larger income space, and is more suitable for investors who pursue income other than traditional financial management products but are unwilling to bear large fluctuations.
2. Strictly control risks with low volatility. The Fund mainly invests in interbank deposit certificates issued by AAA commercial banks, with low credit risk.
It is held for 3.7 days and has strong liquidity. Each copy has a lock-up period of 7 days, after which it can be redeemed at any time, which is more suitable for investors with short-term capital appreciation needs and looking for spare money financial tools.
4. Buy 0%. There is no subscription fee when buying, and some funds are exempt from redemption fee for 7 days. Relatively speaking, it saves money and is cheap.
The first batch of six inter-bank deposit index funds set an initial issuance ceiling of 654.38+000 billion yuan and a proportional placement mechanism. Like money funds, subscription/subscription fees and redemption fees are not charged, but a sales service fee of 0.2%/ year, a management fee of 0.2%/ year and a custody fee of 0.05%/ year are required. These six funds will be officially launched on February 3, 65438, that is, this Friday, so investors can pay more attention.
Generally speaking, inter-bank deposit receipt index funds are less volatile, less risky and have stable returns. If investors have spare money and want to allocate some low-risk products, the interbank deposit certificate index fund can consider it.
Finally, remind investors that the fund is risky and investment needs to be cautious.