Up to now, the money fund has almost become a kind of national wealth management products, with low threshold, flexible operation and implicit capital preservation. At the same time, the expected return is also quite objective, which has always been loved by small investors who pursue stable expected return. However, several floating-net-worth money funds have emerged. What is a floating net money fund?

1. What is a floating net money fund?

The so-called floating net monetary fund is relative to the fixed net monetary fund. According to different accounting methods, money funds can be divided into two categories: fixed net worth money funds and floating net worth money funds. The pricing, subscription and redemption of floating net worth monetary funds shall be calculated based on the market value of fund assets. The fluctuation of net value will affect the expected income and risk of the fund, breaking the previous concept that the money fund can make a steady profit without losing money.

Second, the characteristics of floating net money funds

1. The name of a floating net monetary fund must contain the words "floating net value". The net value of the fund is no longer fixed at 1 yuan, but will fluctuate according to changes in the market, with ups and downs. If the bond market falls sharply, floating net worth money funds may also have negative expected returns.

2. Floating-net-worth money funds are sensitive to risks and require higher management level of fund managers. Relevant fund managers should have at least 5 years experience in monetary fund management.

3. Compared with the fixed-net-worth money fund, the investment threshold of the floating-net-worth money fund is relatively high, and the subscription and subscription threshold is 6,543,800 yuan. Moreover, regulators tend to subscribe by institutional investors, so the sponsor fund model can be adopted. Ordinary investors have no chance to participate in the subscription of floating net worth money funds.

The above content about what is a floating net worth money fund, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.