What is Xiaojin Village in JD.COM?
JD.COM Xiaojincun is actually a short-term debt fund, and the corresponding fund product is Guangfa Anze short-term debt. Guangfa Anze's short-term debt fund has increased by 5.3% in the past year, but this does not mean how safe it is. The expected return of the fund depends on the rise and fall of the net value of the fund. Although the risk of short-term debt funds is low, the net value will fluctuate in the short term, which may lead to losses.
Characteristics of Xiaojin Village in JD.COM
1, there is no redemption fee for holding for more than 30 days.
JD.COM Xiaojin Village is a fund that supports redemption at any time. However, it is not cost-effective to charge a redemption fee of 1.5% for holding for less than 7 days. If it is held for more than 7 days, only a redemption fee of 0. 1% will be charged; If it is held for more than 30 days, no redemption fee will be charged. From this point of view, it is not cost-effective to hold Xiaojin Village in JD.COM in the short term, which is suitable for long-term investment.
2. Mainly invest in short-term debt, with low risk.
In terms of investment direction, Xiaojin Village in JD.COM mainly invests in short-term treasury bonds, local government bonds and financial bonds, and does not participate in the stock market, so the risk is low. Treasury bonds and treasury bonds are interest rate bonds, so there is no credit risk and the principal security is no problem. Therefore, the safety of Xiaojin Village in JD.COM is actually very high.
3. Hold for more than 30 days without loss.
Judging from the historical performance, Xiaojin Village in JD.COM has achieved positive expected returns since its establishment 29 months ago. According to statistics, the profit probability of holding for more than 30 days is 100%, so you can buy this fund with confidence.
General comment: Xiaojin Village in JD.COM is a bond fund, and the risk of investment varieties is very low. According to the historical performance, Xiaojin Village in JD.COM has been holding on for more than 30 days, without any loss, and it is very safe. The expected return of this fund in the past year is 5.3%, so those who are optimistic about the bond market can start.
Introduction reading:
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