How to choose a money fund?
In the face of many money funds in the market, we can screen them according to the following methods.
1 rate of return: judging from the overall money funds in the market at present, the absolute rate of return is not high, but the income difference between them is still obvious.
Because the overall risk of the money fund is relatively small, when we choose the money fund, the high yield of ten thousand copies and the annualized rate of return of seven days are our first choices.
2 Liquidity: Under normal circumstances, money funds are traded according to the rules of T+ 1, which means that after we successfully apply for redemption, the funds will arrive on the second trading day. However, there are also many money funds in the market similar to docking Yu 'ebao. These fund products are usually on call, arrive in real time and have good liquidity.
3 Fund scale: From the perspective of scale changes, moderate growth of the scale is beneficial to the management and allocation of the fund, while the reduction and substantial increase of the fund is not conducive to asset management, so we'd better choose a fund product with moderate scale.
In a word, because the risk of money fund is small, it mainly depends on the income situation, and then it is comprehensively analyzed from the fund flexibility and fund scale.