Tip 1: Seize the buying opportunity and don't waste a penny.

Generally speaking, money funds are bought on T-day, and T+ 1 begins to earn, but there are two special time points that need our attention.

The first time point is working day, and T+ 1 refers to working day, excluding holidays. If it is Friday when we buy the money fund, is T+ 1 Saturday? Saturday is not a working day, so you have to postpone the calculation of income until next Monday. Everyone must remember the cheats of not buying on Friday and not redeeming on Thursday.

The second time point is 3 pm, and all fund subscriptions need to pay attention to this time point. If the subscription is made before 3 pm, the subscription will be made according to the fund situation at 3 pm that day. If the subscription is made after 3 o'clock, the subscription will be made at 3 o'clock the next afternoon according to the fund situation. For example, if you subscribe to the fund at 2 pm on Tuesday, you can calculate the income from Wednesday. However, if you apply for a fund at 5 pm on Thursday, it is the same as applying for a fund at 3 pm on Friday. You need to wait until next Monday to start calculating the income. A few minutes' time difference in fund subscription may waste two to three days' fund income, which is completely avoidable. Please remember:

First: don't buy it on Friday, and don't redeem it on Thursday.

Second: surgery before 3 pm.

Tip 2: Before holidays, you can buy in advance.

Generally speaking, at the end of the month, the end of the season, the middle of the year and the end of the year, the funds in the market are relatively tight, and the yield of money funds will be relatively high. On daily holidays and weekends, the money fund will also have income. Therefore, if you encounter some long holidays, you can subscribe for the money fund two working days before the festival to obtain holiday income.

Tip 3: Fund conversion. Monetary funds can also be converted with other funds managed by the same fund management company.

When the stock market is good, it can be converted into stock funds, and when the bond market is good, it can be converted into bond funds. When there are no good opportunities in the stock market and bond market, money market funds are a good reservoir of funds. We can seize all kinds of opportunities in the stock market, bond market and money market in time, and make flexible adjustments with the money fund as a transit point.