Judging whether ICBC's currency is safe can be summarized into the following two aspects:
1. From the investment target, ICBC currency is tight but not chaotic.
As a monetary fund, is ICBC's currency safe? Judging from the investment target, ICBC mainly invests in short-term money market instruments, such as treasury bonds, central bank bills, agreement deposits and other varieties with high safety factors, and the risk is low. 20 17 Relevant data in the first half of the year show that ICBC Currency's judgment on customer demand, macro-economy and money market can actively respond to customers' liquidity requirements at the end of the month and the end of the quarter, and reasonably arrange the combined cash flow. At the same time, on the premise of ensuring liquidity, ICBC currency also improved the expected rate of return of the portfolio by arranging the timing of deposit and bond allocation. In addition, under the pressure of the real economy, the Fund has been paying close attention to the credit qualifications of various securities to ensure the safety of funds.
2. From the company background, ICBC has a strong and stable currency.
ICBC Credit Suisse Fund Management Company, the old owner of China Industrial and Commercial Bank, is a joint venture fund management company directly initiated and controlled by China Industrial and Commercial Bank, with strong research strength and global market management experience. Do you think ICBC's currency is so powerful that its owner is safe? Moreover, according to Ji 'an Jinxin's statistics, in 20 17 years, the scale of fund companies' public offerings increased by 9 149 billion yuan, including 783.2 billion yuan of monetary funds, and the monetary funds of fund companies such as Tian Hong Fund and ICBC Credit Suisse ranked first. It is not difficult to see that based on such a strong company background and scale, the security of ICBC currency is still relatively high.
Editor's Note: To sum up, should we judge the currency security of ICBC? It can be basically understood from its investment target and company background. Of course, as a low-risk investment method with low expected return, money funds often allocate some bonds in pursuit of high expected return, but overall, it is also the lowest risk among investment products.