Interbank deposit receipt fund is also a kind of fund, so what is an interbank deposit receipt fund? Can I make money by buying an interbank deposit receipt fund? Below we have prepared relevant contents for your reference.

What is an interbank deposit receipt fund?

Interbank deposit receipt fund is a kind of fund product that obtains income by investing in interbank deposit receipt. It is usually issued by fund companies and managed and operated by specialized investment managers. The main investment object of interbank deposit receipt fund is interbank deposit receipt, which is a short-term bond signed by commercial banks.

The investment methods of interbank deposit certificates include direct investment interbank deposit certificates and indirect investment interbank deposit certificates. In the case of direct investment in interbank deposit certificates, fund managers directly purchase interbank deposit certificates, thus obtaining income. In the case of indirect investment in interbank deposit certificates, fund managers obtain income by purchasing financial products such as interbank deposit certificates and asset-backed securities issued by other financial institutions.

Can I make money by buying an interbank deposit receipt fund?

Interbank deposit receipt funds can make money, with stable income and low risk. However, you should pay attention to the following points when purchasing interbank deposit certificates:

1, yield

The yield of interbank deposit receipt funds is usually low, but there are also fluctuations in different degrees. Mainly affected by market interest rate, monetary policy, credit risk and other factors. If the market interest rate rises or the credit risk intensifies, the income of the interbank deposit receipt fund may decline.

2. Risk

As a kind of fixed income fund, interbank deposit receipt fund has relatively low risk. However, it should also be noted that market fluctuations and other factors may have an impact on interbank deposit receipt funds. In addition, investors should carefully understand the fund manager's investment strategy, securities selection and risk control ability when purchasing interbank certificates of deposit, so as to evaluate the risk level of the fund.

3. expenses

Interbank deposit receipt funds usually charge management fees, custody fees and other fees. These expenses will directly affect the actual rate of return of the fund. Therefore, when purchasing the inter-bank deposit receipt fund, we need to pay attention to various expenses and try to choose products with reasonable expenses.