First, choose a fund with a moderate scale.
The size of the money fund is neither too big nor too small. The scale is too small to be easily liquidated (the liquidation red line is 50 million); If the scale is too large, the expected rate of return will not go up. Yu 'ebao is a typical example.
Second, choose the fund with the highest expected rate of return.
The competitiveness of the money fund is mainly reflected in the expected rate of return. Whether the expected return of the money fund is high or not depends not only on its seven-day annualized expected return and ten thousand expected returns, but also on its ranking among similar funds.
There are more than 600 money funds in all. If the short-term (half a year), medium-term (1 year) and long-term (3 years) expected returns of a money fund are all in the top quarter, then it can be regarded as a money fund with good expected returns. When Alipay buys a fund, pay attention to check its expected income ranking.
Third, choose a fund with a small proportion of institutional investors
If there are too many institutional investors in a monetary fund, when the institutional investors redeem the fund, the monetary fund will also be greatly affected. First, the size of the fund is reduced, and second, the expected rate of return of the fund is affected, and the victims are individual investors.
Take Yu 'ebao as an example. Its institutional investors account for no more than 65,438+0%. The redemption of the fund by institutional investors will not bring too many adverse effects to it, and its expected income and scale are relatively stable.
Well, the above are the three points to pay attention to when choosing a money fund. I hope it will help you.
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