There are mainly the following four categories:
1. Monetary Fund
I believe everyone is familiar with the Monetary Fund. Due to the convenient payment method, high liquidity, higher yield than bank demand and short-term time deposits, there is no doubt about the safety, and now it is gradually becoming a good place for short-term financial management funds.
Judging from the market situation in recent years, the yield of money funds is around 3%-5%. For example, if you buy a money fund of 65438+ 10,000 yuan, assuming that the rate of return can be maintained at 4% in the next six months, then the income after six months is: 100000*4%/2=2000 yuan.
2. Short-term debt fund
Compared with money funds, short-term debt funds are less secure because there are bonds in their investment targets.
Therefore, short-term debt funds will not always be positive like money funds, and their net value may occasionally decline after a few months. For example, Tong Yuan short-term bond B(00 194 1) was financed as mentioned by San Sijun.
But in any case, short-term debt funds hold relatively stable investment varieties after all, and the possibility of obtaining positive returns by holding 1 year or more is still great.
3. National debt
As the name implies, national debt is a bond issued by the state. Therefore, if you invest in national debt, you don't have to worry about safety.
At present, there are two kinds of treasury bonds issued in China: voucher treasury bonds and (electronic) savings treasury bonds. Among them, voucher bonds can only be purchased at bank outlets (issuance period), and book-entry bonds can be purchased at banks or securities companies.
Incidentally, for book-entry treasury bonds, due to market fluctuations, there may be "floating losses" during the holding period.
For example, 16 national debt 19(0 19547), the current price is only 9 1.9 1 yuan. Without considering the interest during the period of holding the national debt, each (100 yuan) lost 8.09 yuan.
But you just need to remember that according to the maturity date of 16 national debt 19(0 19547) on August 20, 2046, you can definitely get back 100 yuan, and you can still get the coupon interest of 3.27% stipulated in the bond every year.
4. Reverse repurchase of government bonds
Like investing in national debt, reverse repurchase of national debt is also a variety without investment risk.
Because the essence of reverse repurchase of government bonds is that those investors who hold government bonds have no money, and the government bonds they hold are mortgaged to you, and the reason why you are willing to lend them money must be that you take a fancy to government bonds and interest, so the security of reverse repurchase of government bonds is beyond doubt.
As for the interest rate, it depends on the market. Generally speaking, at special time points, such as the end of the year and the end of the season, the interest on reverse repurchase of government bonds will be much higher.
So, how to operate the reverse repurchase of government bonds? You can check WeChat official account's historical article: Remember to buy reverse repurchase, and you can get 5 days' interest a day. See the specific process.
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