Astronomical data show that by the end of June, the size of money funds had reached 5 1 1 trillion, with a net increase of 783.2 billion yuan in the first half of this year, with an increase of 18.09%, far exceeding all kinds of fund products. And financial management also said that for ordinary investors, the money fund is also a better allocation choice. Then, as a highly respected "Internet celebrity" wealth management product this year, how can the money fund buy it to ensure the expected income as much as possible?

Generally speaking, it can be summarized as the following three aspects:

First, shop around and consider comprehensively.

Although the risk of basically all money fund products is very low, we can't just feel pleasing to the eye or blindly follow suit. How to buy a money fund? We can't start in a hurry just to buy. We should know the approximate expected returns of different funds, and at the same time understand our own risk preferences and investment needs, so as to help ourselves make better choices, instead of buying a pleasing one in a hurry.

Second, don't be misled by the expected income.

Many new friends are easily misled by two indicators: seven-day annualized expected return and expected return per 10,000 fund units. In fact, the two indicators can only represent the performance of the fund in a period of time, and will be affected by factors such as interest rate changes and the reduction of high-interest bonds. How to buy a money fund? We should not only pay attention to the historical long-term expected returns of monetary funds, but also observe the expected returns of similar funds. Only in this way can we make a better choice.

Third, pay attention to the scale and stability of the fund.

When investors choose money market funds, they should also pay attention to their scale factors and the stability of expected returns. If the expected return on investment of a fund changes greatly in a certain period of time, indicating that the profitability of the fund is unstable, then investing in the fund will have greater risks, while the larger monetary fund has stronger bargaining power and is easier to avoid liquidity risks.

Related introduction

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Editor's note: To sum up, how to buy a money fund? In addition to clarifying your risk preference, you should also consider the size, long-term expected return and stability of the money fund. As the saying goes, "Know yourself and know yourself, and you will win every battle."