First of all, it should be clear that the money fund bears interest at T+ 1, that is to say, the income is calculated on the second natural day after buying. For example, if you buy a money fund on July 1 year 202, its value date is July 2, 202 1 year.
Secondly, besides the calculation of the value date, the maturity and redemption date of the money fund are also related to the income. On the day before the maturity date of the money fund, that is, T day, investors can still purchase or redeem the money fund, but they cannot buy or sell it on the maturity date. At this time, the fund company will count the income of the day into the income of investors again.
Finally, it should be noted that the yield of money funds is generally lower than that of other funds. Therefore, if investors invest for a long time, it is recommended to choose other fund varieties with greater income potential. In addition, the yield of money funds will be affected by the market situation and the operation of fund companies, so investors need to consider many factors when choosing money funds.
Generally speaking, the calculation of money fund's income is relatively simple, just pay attention to the value date and maturity date. However, before buying the money fund, investors need to analyze and plan their investment needs and choose the investment products that suit them, so as to achieve the best income effect.