Advantages of Xinhua's circulation of Tian Li currency
1. Zero-rate trading: No matter whether it is subscription or redemption, Xinhua current Tian Li currency E does not charge any fees.
2. Flexible deposit and withdrawal: Although it is not a product with interest on the same day, the deposit and withdrawal of currency E in Xinhua Tian Li is very flexible. Redemption will be submitted after T day 15, and the share will be confirmed on T+ 1 day, and it will arrive on T+ 1 day.
3. Low investment risk: Xinhua demand interest-increasing currency E is a low-risk money fund product, with little possibility of principal loss and relatively stable expected income. It is one of the least risky investment methods except bank savings and national debt in China.
The disadvantages of Xinhua's circulation of Tian Li currency
1. Non-day value: Fuminbao and Zhongbangbao, which are familiar to everyone, are all valuable products of the day. However, Xinhua's current interest rate hike currency E is bought after T day 15, the share is confirmed after T+ 1, and the expected return is calculated after T+ 1 65438.
2. The purchase threshold is high: the initial purchase amount of Xinhua current Tian Li currency e is 50,000 yuan, which is still relatively high for ordinary wage earners.
3. High operating rate: Although Xinhua needs Tian Li E currency without subscription fee and redemption fee, management fee, custody fee and sales service fee are inevitable. The asset size of the fund is only 265.438+0 billion yuan. The smaller the scale, the higher the operating rate.
Starting with the advantages and disadvantages of Xinhua demand currency E, this paper comprehensively analyzes the advantages and disadvantages of this product. Looking at this product again, the 7-day annualized expected rate of return is 3.6490%, ranking very high among many money funds. Of course, the starting threshold of 50,000 yuan has also stopped many people.