1.5 1 1990 Warburg Yi Tian

2.5 1 1880 Yin Hua Rili

3. Xin Jian Tian Yi 5 1 1660

Three currencies are preferred, and other liquidity differences are small.

In recent years, the annualized rate of return has been hovering between 1.7%-4%.

Money fund is a t+0 transaction, which is more convenient for the allocation of investment funds.

For long-term holding, you can also choose other smaller monetary funds. Theoretically, the smaller the scale, the higher the annualized income.

If it is not suitable to hold it in the short term due to the high market price, you can also choose the reverse repurchase of government bonds instead of managing idle funds.

Two. combine

Class A and specific single convertible bonds are not discussed here. In fact, there are not many on-site bond funds with investment and speculative value, because the turnover is too poor. The bond funds selected below can all be t+0 bond funds with relatively good trading volume.

1.511kloc-0/0 Guotai SSE 5-year Treasury etf

2.5 1 1060 Haifutong SSE 5-year local government bond etf

3.5 1 1260 Cathay Pacific SSE 10-year Treasury etf

4.5 1 1270 Haifutong SSE 10-year local government bond etf

In hedging, floor debt has the best investment and is suitable for installment allocation. The annualized income is usually slightly higher than that of the money fund, and there may be losses in extreme cases.

Three. commodity classification

On-site commodity funds are suitable for friends who want to speculate on commodities but have high requirements for security deposits. Generally, spot futures are the main investment commodities.

1.5 18880 How much the price of Huaan gold rises, basically it will follow. Other gold standards are acceptable, with little difference.

2. 16 1226 SDIC UBS silver fund tracks futures and has exchange losses, which is suitable for short-term speculation.

3. 1604 16 Huaan Petroleum Standard & Poor's Global Oil Index Most large and medium-sized oil companies in the world have great power, and their peers are relatively safe and resistant to falling. The custody fee is 1.28% per year.

4. 160723 Custody fee of Harvest Crude Oil Tracking Oil Far Moon Contract (wti, USA) 1.28%. The advantage is that the change of net value is basically highly related to oil prices, and the disadvantage is that changing months may lose futures.

5. 1627 19 The Dow Jones Petroleum Index of Guangfa Petroleum, like Huaan Petroleum, is dominated by large and medium-sized oil companies, but it is only listed in the United States, and it is mainly medium-sized and Huaan is mainly large. Custody fee 1.3%

Oil etf is more suitable for short-term speculation.

These oil ETFs have high rates, large losses and large changes in discount and premium, and their positions are greatly affected by foreign exchange policies and other factors, which greatly damages the interests of holders.

The advantage is that it fluctuates greatly and can be T+0.

The above is about the relevant sharing of mainstream funds. I hope to help friends who want to know about financial management. For more related content, you are welcome to pay attention to this platform in time!