How to determine the purpose of investing in money funds?
If you have hundreds or thousands of spare money on hand, don't want to make a current deposit, don't know what to invest, or can't stand the loss of funds and buy a money fund as a savings, then you have several options. First, you can open bank online banking and choose to buy money funds through the fund channel of bank online banking. However, some bank online banking specifically blocks the purchase of money funds, so you can choose the second purchase channel: the fund company official website or the official APP, and large fund companies have developed APP. After investors register, they can deduct money from online banking to buy money funds, and then they can check the expected annualized expected returns every time. In addition, investors can also buy their money funds from Tian Tian Fund, Ant Fortune, lufax and other websites and applications, or through WeChat Licaitong.
These funds can be redeemed at T+0, that is to say, when investors need cash, they will submit a redemption application, and the funds will arrive in the account within one hour at the earliest. However, it should be noted that millions of funds may meet the redemption limit during holidays, and large-scale fund redemption should pay attention to the announcement of the fund company.
In fact, the stock and bond markets fluctuate to some extent. Some old citizens redeemed the fund, but they didn't know how to invest it. It is suggested that investors can also temporarily deposit their funds in the money fund account of the same fund company. Once the bottom of the market appears, investors can directly redeem money funds to buy stock funds and bond funds. Generally speaking, the subscription fee for this kind of operation is discounted.
If you are a stockholder, you can also buy money funds directly in the stock account. Yin Hua Fund, southern fund Fund and Huabao Industrial Fund all have on-site monetary funds to choose from, and these funds can also be redeemed at T+0, which is convenient for investors to manage their funds. Compared with previous projects such as reverse repurchase, the operation is relatively simple, and the expected annualized expected income is also significantly higher than the current interest.
Try to choose the subscription time of large-scale and scattered holders of goods-based money funds? When is the best time to buy?
In stock fund investment, we found that some large-scale funds were difficult to outperform their peers in the small-cap stock market in previous years, so some investors deliberately avoided large-scale funds in money fund investment. However, it is understood that it is best not to choose funds with a scale below1000 billion, and money funds with a scale of only1-200 million should be particularly cautious. The main reason is that fund managers reflect that, generally speaking, the larger the size of money funds in agreement deposits, the stronger their bargaining power, so the larger the scale, the better the management.
But is the bigger the better? That's not necessarily true. Investors had better choose those money funds with relatively balanced structure of institutions and retail investors. Generally speaking, when the market funds are tight, it is easy to "go in and out together". For example, when the market liquidity suddenly became tense at the end of 20 16, some large-scale money funds also appeared abnormal. The main reason is that the proportion of institutions is too high. When funds are tight, institutions choose.
How to judge which fund institution holds a higher proportion? In fact, look at the fund's annual report and interim report. In the column of the number and structure of holders, we can clearly see the shareholding ratio of institutions and the shareholding ratio of each household. By comparison, you will know which funds to choose.
There are nearly 100 billion funds. For investors, the range of choices is already very wide. Investors can choose products managed by fund companies with complete product lines, rich management experience, no negative records and stable expected annualized expected returns. How does the money fund calculate the expected annualized expected return? How to invest?