A money fund is like a balance treasure. The expected annualized expected income of the cargo base cannot refer to the era of crazy money distribution in previous years, nor can it refer to the golden age from June last year to the beginning of this year. Considering that the tight monetary policy will continue, after the deposit reserve is levied, this part of interbank deposits will be reduced to almost the limit. The expected annualized expected rate of return of the cargo base will hardly deviate from the expectation (let alone lose money), so it will still be a reasonable investment product with risk compensation in the future.

Because the Internet has transformed the cargo base into T+0 cash withdrawal, the Internet cargo base has changed substantially from the traditional T+2 cash withdrawal varieties. The realization of T+0 cargo base is a sharp weapon of cash management. A typical monetary fund:

1. Yu 'ebao: Reading what Tian Hong Wang Dengfeng (fund manager) wrote, we can know that Yu 'ebao's investment ideas are very reliable, which is not too volatile relative to the market (β value) and is not short-sighted about the expected annualized expected rate of return. However, the withdrawal amount of Yu 'ebao T+0 is only 50,000 yuan, which narrows its application scope.

2. Licaitong Cluster: WeChat has established four cargo bases to settle in Licaitong. The cargo base itself is a highly homogeneous variety, which increases the user's choice cost. Moreover, most varieties have cashed bonds to offset the bad track of short-term expected annualized rate of return. In addition, it is not a good choice to withdraw cash without the convenience of Yu 'ebao.

3. Huitianfu cash treasure: Huitianfu's idea is always new, and cash treasure realized T+0 cash withdrawal much earlier than Yu 'ebao. However, it seems that the strength of fund managers is always a little worse, and the expected annualized expected return is very popular. There is an advantage: the withdrawal amount of T+0 reaches 5 million yuan, which is very powerful.

4. Trading money fund: it increases the risk of trading discount a little, and the expected annualized expected rate of return is also lower than that of mainstream goods base. Its advantage is that the expected annualized expected income is calculated on the day of subscription (not subscription), and the best choice of cash on Friday is three days more than the expected annualized expected income of ordinary goods base. I really have nothing to do and I can play arbitrage. There are two trading bases, Huabao Xingye has better cash and is called "the balance treasure of shareholders".