Choosing funds and fund companies with good performance is the first step to buy funds. It is difficult for ordinary investors to know the investment team of fund companies in a short time, but it is much easier to master the investment performance of fund companies, which can explain the strength of the fund itself. However, investors can't just look at the investment performance, and the brilliant performance of a fund in the past can't determine its future development trend. First, select 25% of the funds six months ago, and then look at the rate of return of these funds in January and one week, and further study the introduction of the company management team and fund managers of the award-winning funds.

When buying money funds, priority should be given to old funds. After a period of operation, the performance of the old fund has been clear, but how to develop the newly issued money fund in the future remains to be verified. Investors should carefully check the list of expected annualized expected returns of the money fund, specifically from the two indicators of "ten thousand expected annualized expected returns" and "seven-day historical expected annualized expected returns". These two indicators are parameters to examine the long-term expected annualized expected return ability of a monetary fund. Monetary funds with high "ten thousand expected annualized returns" and "seven-day historical expected annualized returns" have relatively high yields.

Because the risk of the money fund is very small, when the market falls, you can put the funds in the money fund to reduce the risk and obtain a certain expected annualized expected return. When the stock market rises, the money in the money fund can be converted into the stock fund you want to invest in, which can save a subscription fee.

Monetary fund redemption skills:

Want to redeem the money fund faster? Then we must calculate the redemption time. Redemption before the day 15: 00 is calculated according to the net value of the fund announced after the close of the day. Redemption after 15: 00 is subject to the closing price of the next day. Generally speaking, the redemption of money funds is T+2 to T+3. In case of Saturday, Sunday or holiday, the arrival time will be postponed.

In addition, according to the relevant regulations, investors buy money funds before 15: 00 on the working day before holidays, and do not enjoy the expected annualized expected return on holidays. Redeem the Monetary Fund before 15: 00 one working day before the holiday, and you can enjoy the expected annualized income of the holiday. In other words, the fund shares subscribed on Friday do not enjoy the expected annualized expected returns on Friday, Saturday and Sunday. Fund shares redeemed on Friday enjoy the expected annualized expected returns on Friday, Saturday and Sunday.

So remember, it is the most cost-effective to apply for the money fund before Thursday 15: 00 and redeem it before Friday 15: 00.