Question 1: Money funds should charge custody fees, management fees and sales service fees.
Except for the Monetary Fund, all fund custody fees and management fees are charged on a daily basis. No matter whether the expected income of the money fund is up or down, this fee will be charged. If you hold the money fund for a long time, you will undoubtedly deduct a lot of custody fees and management fees, so that the expected income of the money fund will be greatly reduced.
Question 2: it is difficult to break through the expected return of holding money funds for a long time.
The expected income of the money fund is calculated on a daily basis, and the interest will be included in the principal and compound interest. In this way, the advantages of holding money funds in the short term are very obvious. When the expected income is higher than that of regular wealth management products and the liquidity of funds is strong, people are more willing to invest in money funds.
However, the disadvantage of holding the money fund for a long time is also obvious, that is, the expected return is low. For example, if 654.38+ 100000 yuan is not used for half a year and deposited in the monetary fund, the expected return for half a year is: average fund share 10000 expected return/10000/80 days =100000.9. However, if you invest in Zhongbangbao of Zhongbang Bank with a closed period of 180 days, the expected return can be 100005.2%/2=260 yuan. It can be seen that if you hold it for a long time, the expected income from purchasing regular wealth management products will be higher.
Whether the money fund is suitable for long-term holding is relative. If you like money funds, which are highly liquid products, it doesn't matter if you hold them for a long time. However, if you pursue higher expected returns, it is recommended to invest in regular wealth management products.
Introduction to popular reading:
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