Is buying a currency fund equivalent to depositing money in a bank? Is buying a currency fund equivalent to depositing money in a bank? I wonder if most investors who buy currency funds will have the feeling that they have never lost money, because currency funds

The risk is relatively small, so losses are rare.

So is buying a currency fund equivalent to depositing money in a bank? The editor will answer your questions below.

Is buying a currency fund equivalent to depositing money in a bank? Buying a currency fund is not equivalent to depositing money in a bank. It is possible to lose principal, but the possibility is very small. Take Alipay currency funds as an example: Currently, all currency funds on Alipay

All profits are positive and there has never been a loss.

Take WeChat Monetary Fund as an example: At present, all the currency funds on WeChat Financial Management have positive returns, and there has never been a loss. Although the past earnings do not represent the future, all the currency funds on multiple platforms have positive returns.

To a certain extent, it shows that the risk of monetary funds is very small, and secondly, it has a certain reference value.

But it should be noted that low risk does not mean there is no risk. Money funds still have risks. You can find out by looking at the investment direction of money funds.

Monetary funds mainly invest in cash, bank deposits with a maturity of less than 1 year (including 1 year), bond repurchases, central bank bills, interbank certificates of deposit, bonds with a remaining maturity of less than 397 days (including 397 days), and non-financial corporate debts

Financing instruments, asset-backed securities, and more.

Generally, the investment bank deposit part is principal-guaranteed, but other financial management parts are not. Therefore, there is risk, that is, it is possible to lose the principal. However, because other financial management parts are low-risk, the possibility of loss is also

It is relatively small, so the safety of money funds is relatively high. Although it does not guarantee capital, it is basically rare for money funds to suffer losses.

When buying a currency fund, you can consider many aspects to select an excellent currency fund. For example, give priority to funds with larger scales, and then when choosing fund managers, give priority to those with longer working experience.

Fund managers who have been in the industry for a long time have richer experience than new fund managers.

Then we need to check the past returns and choose money funds with relatively good past returns and all positive returns. Although the past does not represent the future, it still has a certain reference value. Secondly, the liquidity of money funds is also relatively good.

, generally it can be redeemed and credited to the account on T+1, which is also very convenient.

Can I get my money back if I lose hundreds of thousands in financial management? Generally speaking, I can’t get my money back if I lose hundreds of thousands in financial management, because financial management is not the same as bank deposits. It is risky. When the market is not good, you will lose up to your principal, so everyone

When managing money, you should pay attention to its risks. Financial management is risky and does not guarantee capital. If you cannot bear relatively large risks, you can give priority to bank time deposits.

If investors do not want to lose money, there is a type of structured deposit that is a prudent product (R1). Its risk is very small because some of the funds are investment deposits and some of the funds are invested in financial management, so it is more suitable.

Conservative investors just need to pay attention to the fact that structured deposits have a limited time limit and are not very liquid. They are generally more suitable for depositing spare money that will not be used for a long time. If it is short-term funds that are needed, you can consider some low-cost deposits.

With risky current financial management, the possibility of loss is relatively small.

What personal small-amount financial management tips are there for office workers? Office workers have to go to work every day, so they don’t have much time to manage their finances. When choosing financial management, it is better to give priority to those with lower risks. If the risks are higher

Big, because you don't look at your financial management at work, but your financial management keeps losing money, you will suffer heavy losses.

Low-risk financial management risks are relatively small and the returns are relatively stable, so it is more suitable for office workers. When investing, there is a financial management tip, that is, current money can be considered to be placed in Yu'e Bao, Yu'e Bao

In fact, it is a connected monetary fund. Some of the money for daily living expenses can be spent at any time in Yu'e Bao, and it can also earn income, which is very good.

For small amounts of money that are not used for a long time, you can find a regular financial manager, and it is also good to deposit with a relatively low threshold. In this way, you don’t have to look at it every day, and you can make a small profit. This is also recommended when choosing.

It would be better to give priority to low-risk financial management.