1, CCB currency is the product of CCB Fund. Jianxin Jiaxin Abao is a monetary fund. Monetary fund investment in insurance clauses.
2. CCB Monetary Fund is a money market fund and a low-risk variety of securities investment funds. In the long run, CCB Money Fund not only outperforms CPI, but also has a time deposit rate of more than one year.
1. Jianxin Jiaxin Coin A belongs to the monetary fund and is an open-end fund. According to the types of financial products invested by open-end funds, people divide open-end funds into four basic types: stock funds, hybrid funds, bond funds and monetary funds. The former two belong to the capital market, while the latter belongs to the money market.
2. Monetary funds mainly invest in bonds, central bank bills, repurchase and other short-term financial products with high security. They are also called "quasi-savings products". Their main features are "worry-free principal, convenient demand, fixed income, and daily dividends". Money funds only invest in the money market, such as short-term government bonds, repurchase, central bank bills, bank deposits, etc. Its liquidity is second only to bank demand deposits, and its income is calculated every day. Under normal circumstances, the income is carried forward to the fund unit within one month. The income is slightly higher than that of one-year time deposit, and the interest is tax-free. The principal of the Monetary Fund is relatively safe, with an expected annualized rate of return of 3.9%. It is suitable as a liquid investment tool and a substitute for savings.
3. According to the scale of participating funds, money funds can be divided into Class A and Class B. Class A is small and medium investors, and Class B is institutions and large investors. The minimum subscription limit of Monetary Fund A is generally 1000, and the minimum subscription limit of Monetary Fund B is 5 million. Their sales and service rates are also different. For example, Haifutong Coin's annual sales service rate is 0.25%; The annual sales service rate of Haifutongbi Class B is 0.0 1%.
4. The characteristics of the money fund: the money fund has good liquidity and high capital security. These characteristics mainly stem from the fact that the money market is a low-risk and high-liquidity market. At the same time, investors can transfer their fund shares at any time, regardless of the date. The risk of money fund is low. The maturity of money market instruments is usually very short, and the average maturity of money fund portfolio is usually 4~6 months, so the risk is low, and its price is usually only affected by market interest rate, so the investment cost is low. Money funds usually do not charge redemption fees and have low management fees. The annual management fee of the money fund is about 0.25% ~ 1% of the fund's net asset value, which is lower than the traditional annual management fee 1% ~ 2.5%. All money funds are open-end funds. Money fund is generally regarded as a risk-free or low-risk investment tool, which is suitable for short-term capital investment to generate interest in an emergency, especially in the case of high interest rate, high inflation rate and reduced liquidity of securities, reducing credibility and avoiding loss of principal.