Harvest fund and Bank of China Fund have successively released new short-term wealth management products. In addition, the stock of short-term wealth management funds has also become active. Many people think that short-term financial management funds have risen strongly and ushered in "Xiaoyangchun". So how to play short-term financial management funds?

1. What is a short-term financial management fund?

Short-term financial management funds belong to bond funds, which adopt the strategy of fixed expected annualized expected return and tend to make absolute expected annualized expected return. The remaining period of short-term financial management funds is short, and it is controlled within 150 days.

Second, the characteristics of short-term financial management funds

1, low threshold:

1000 yuan can buy short-term wealth management funds, which is a more important factor to attract small ordinary investors.

2. Zero cost:

There is no charge for the subscription and redemption procedures of short-term financial management funds. However, a small amount of management fees, custody fees and sales service fees will be charged.

3. Buy at any time:

Short-term financial management funds have two modes: buying and selling. One is that Huitianfu can buy on any trading day as long as the fund is open for subscription. The other is the Hua 'an model, which is similar to bank wealth management products and is open for subscription and redemption on a regular basis.

4. Regular redemption:

The operating period of short-term financial management fund includes 7 days, 14 days, 28 days, 30 days, 60 days, 90 days, etc.

5. Daily carry-over:

Generally, short-term financial management funds are valued by amortized cost method similar to that of money funds, so their unit net value is similar to that of money funds, which is always 1 yuan, and their expected annualized expected returns are calculated daily and carried forward on schedule.

6. Automatic flip:

Short-term financial management funds have a time limit. If it is not redeemed at maturity, the user's principal and interest will automatically become the share of short-term financial management fund, which will be rolled over to the next investment.

Third, how to choose a short-term financial fund:

Investors should be screened according to their own liquidity needs. If liquidity requirements are high, they should choose money market funds. The other is the requirement of expected annualized expected income. Short-term wealth management products are basically low-risk varieties, and the expected annualized expected return is low, but there are also differences between varieties. Generally speaking, the varieties with higher expected annualized returns are relatively more risky. In addition to the comparison of liquidity and expected annualized expected rate of return, investors also take into account the comparison of redemption rate and the screening of potential risks.