Short-term financial management fund is an innovative fund product that appeared in 20 12, especially an innovative bond fund for short-term financial management market. 20 1 1, CBRC officially stopped the short-term wealth management products of banks within 30 days, and there was no product docking for the huge short-term wealth management demand. At this time, the fund company took the opportunity to take Huitianfu and Huaan as pioneers and take the lead in entering the short-term financial market. Here are some short-term financial funds for your reference.

Characteristics of short-term financial management funds

At present, the short-term financial management funds in the market are basically based on the earliest issued Huitianfu model. Usually, short-term financial management funds have the following characteristics:

First, the threshold is low.

Compared with ordinary bank wealth management products, short-term wealth management funds have obvious low threshold characteristics. Generally, there is a subscription limit of 50,000 for purchasing bank wealth management products, and it is generally impossible to buy less than 50,000. 1000 yuan can buy short-term financial management funds. This is a more important factor to attract small ordinary investors.

Second, zero cost.

There is no charge for the subscription and redemption procedures of short-term financial management funds. However, a small amount of management fees, custody fees and sales service fees will be charged. According to media statistics, the annual expense ratio of monetary fund is about 0.43%, and the average annual expense ratio of short-term financial management fund is about 0.36%. So generally speaking, the cost of buying short-term short-term financial management funds is still very low.

Third, buy at any time.

The first phase of bank wealth management products was issued, and the trading time was limited. There are two modes of short-term financial management funds. One is that Huitianfu can buy on any trading day as long as the funds are subscribed. The other is the Hua 'an model, which is similar to bank wealth management products and is open for subscription and redemption on a regular basis. At present, the vast majority of short-term financial management funds in the market are mainly based on the mode of exchange and enrichment, which is conducive to the formation of stable capital flow and the improvement of income.

Fourth, regular redemption.

Short-term financial management funds have an operating period and cannot be redeemed before the operating period expires. You can't redeem it until it expires. The operating period of short-term financial management fund includes 7 days, 14 days, 28 days, 30 days, 60 days, 90 days, etc.

Verb (abbreviation for verb) low crisis

Short-term financial management funds have strict restrictions on the types and duration of their own investments. You can't invest in A shares and convertible bonds, but you can only invest in short-term high-security varieties such as central bank bills, short-term financing bills, and agreed deposits within 397 days. So its crisis is very low, comparable to the money fund. In addition, compared with the bank's wealth management products, short-term wealth management funds have another advantage, that is, their operation will be more transparent. Because it is a fund custody, the data of the fund's seven-day annualized rate of return and other yield data will be published every day.

Daily carry-over of intransitive verbs

Short-term financial management funds are generally valued by amortized cost method similar to that of money funds, so their unit net value is similar to that of money funds, which is always 1 yuan, and their income is calculated daily and carried forward on schedule.

Seven, automatic rollover

Short-term financial management funds have a time limit. Compared with the method of redemption of bank wealth management products, if the short-term wealth management funds are not redeemed at maturity, the user's principal and interest will automatically become the share of short-term wealth management funds, which will be rolled over to the next period for investment, so there will be no income blank period similar to that of bank wealth management products. In addition, short-term financial management funds mainly invest in the money market, and there are also benefits on holidays.

The difference between short-term financial management fund and short-term creditor fund

From the perspective of product attributes, both are bond funds. And in the investment strategy, they all adopt fixed income strategy and tend to absolute income. The biggest difference between them lies in the difference of duration strategy, investment scope and purchase and redemption mechanism. According to the fund prospectus, the remaining term of short-term wealth management funds is short, which is controlled within 150 days, while the only short-term debt-based fund in China, Harvest's ultra-short debt, maintains a fund duration of more than 0.5 years and less than 1 year. Generally speaking, the longer the duration, the higher the expected rate of return, but it also means that investors need to bear a higher interest rate change crisis.

In addition, although both of them focus on money market instruments and tend to adopt enhanced investment strategies on the basis of money market fund investment strategies, there are certain differences in the choice of varieties that pursue excess returns. The selection range of short-term debt funds is relatively higher, such as subprime bonds and floating rate notes, which are not within the investment range of short-term financial management funds. In the mechanism of purchase and redemption, short-term debt funds are relatively more flexible and more suitable for investors with high liquidity requirements, because they can choose to purchase and redeem funds on any trading day, while the purchase and redemption of short-term wealth management funds are limited by the operation cycle.

How to buy funds online?

First, it is necessary to open the fund service of bank cards;

The second is to open a new fund account; Thirdly, after confirmation by the fund company, a series of fund trading operations such as fund subscription, fund subscription, withdrawal, conversion and redemption can be carried out.

How to open an account

1. First, use the bank card handled by the bank to apply for an electronic payment card at the online bank and log in to official website, so as to subscribe for the fund.

2. Register according to the website prompts (the registration information must be true in order to receive the statement sent by the fund company on time), log in the electronic payment card in the middle, and pay the start-up fee of 1 cent.

3. After successful registration, obtain the trading account number and fund account number.

4. Log in to the fund account, click on the fund to be purchased, and the system will prompt you which bank card to use. Then you will be prompted whether to use an online banking certificate or an electronic payment card. If the electronic payment card is used, it will be automatically connected to the account (because the electronic payment card number has been filled in the data), and there will be a list of successful transactions. This completes the purchase of the fund.

5. Every time you log in to the fund account and see the fund status, you can also enter the personal online banking when redeeming, and follow the above tips.

How to buy funds online? It is generally safe to buy funds on the website where you buy funds, but you should pay attention to safety precautions. How to buy funds safely on the fund purchase website;

1. Install a genuine antivirus and firewall, and upgrade the system and antivirus software regularly every day;

2. If you use online banking, it is recommended to use the one with high security level, and remember to unplug it after the transaction;

3. If an electronic payment card is used, the inquiry password of the electronic payment card should be different from the payment password;

4. The password should be as complicated as possible;

5. It is still recommended to change the password regularly;

6. For online banking, it is recommended to open SMS service;

7. Check the account regularly and contact customer service when problems are found;

8. Don't make the password of the bank account the same as that of the fund transaction;

9. Don't use sensitive information such as ID number when logging in;

10. Try not to go to some illegal websites;

1 1. Record the website of your fund company and share it manually;

12. Be good at home. If it is in a public place, pay attention to protect personal data when operating. Remember to delete the account and password when you leave, and then close the browser. Never choose "Remember your username and password" for convenience;

13. All operating systems should be patched. Don't easily open the network to enjoy * * *, and prohibit some unnecessary system services.