Speaking of cash management artifact, it is the money fund. According to statistics, the seven-day historical expected annualized income of the Monetary Fund can basically reach more than 3.5%, and the goods base with good performance even exceeds 5%. During the National Day, using idle funds to buy money funds can also make a small profit.

For example, if you spend 654.38 million yuan to buy a monetary fund during the National Day, the expected annualized income is about 654.38+ 00 yuan per day, and the expected annualized income for the seven days of the National Day is more than 70 yuan; If it is a demand deposit of 654.38 million yuan, according to the current expected annualized interest rate of demand deposits, the expected annualized expected return for the seven days of National Day is 6.7 1 yuan. It is comparable to the deposit and withdrawal characteristics of demand deposits, far exceeding the expected annualized expected return of demand deposits, which is clear at a glance.

What kind of money fund should I buy?

It is suggested that we can start with the product scale and choose the varieties with relatively large scale and stable performance for configuration. As a cash management tool, money fund needs to deal with frequent fund purchase and redemption. Small-scale funds need to hold a high proportion of cash, and the reduction of investable funds will inevitably affect their expected annualized expected income level. Compared with this, larger products have higher investment efficiency. In addition, the proportion of large-scale funds in redemption funds is relatively low, which has inherent advantages in reducing liquidity risk and is also conducive to the stability of performance.

List of the most stable cargo bases with expected annualized expected returns (statistical time: 20 14 1 till September 25th)