First, the basic knowledge of the Monetary Fund
First of all, we need to understand that Tian Hong Zenglibao Monetary Fund is linked behind Yu 'ebao, and Huaxia Caifubao Monetary Fund is linked behind Licaitong. (In the future, Licaitong is said to provide multiple money funds like cash treasure of Jimmy Fund Network. Personally, I think this increases the cognitive difficulty of customers. This is something that professional fund websites do, and it should not be provided by the public-oriented APP such as Wealth Management. )
Monetary fund tips:
1. The money fund is a cash management tool with strong liquidity and extremely low risk, and mainly invests in low-risk products such as bonds, bills and time deposits.
2.7-day historical expected annualized expected return is only a data indicator of the Monetary Fund, and this indicator can even be manipulated to exceed 10% in the short term. Only the long-term, stable, annualized expected return expected in the 7-day history has reference value.
3.7 The historical expected annualized expected return on the day is the expected annualized expected return, and the expected annualized expected return per 10,000 copies is the actual expected annualized expected return parameter of the day.
4. We add up the expected annualized expected returns of 10000 per day in a unit time period, and we can get the actual expected annualized expected returns in a unit time period (for example, 1 week, 1 month, March and June).
5. The expected annualized expected return obtained from the above data is the historical expected annualized expected return of the Monetary Fund, which does not represent the expected annualized expected return in the future, but only has reference value.
6. The expected annualized expected return of the Monetary Fund is far from 7.5%, and even 6% is just an extravagant hope. 1 Only 4.85% of the funds have the highest expected annualized return, and the high expected annualized return is only temporary. Money funds are more used to replace demand deposits for better cash management, rather than an investment tool with high expected annualized returns.
7. As the investment direction of the money fund is low-risk products, the larger the money fund is, the stronger its bargaining power is, and the more likely it is to generate high expected annualized expected returns.
It is unwise to choose money funds only by looking at historical expected annualized expected rate of return and historical ranking. If you only look at the historical expected annualized expected rate of return for seven days on a certain day or the expected annualized expected rate of return for one week, it is easy to fall into the situation of buying regret.
Second, the role of the Monetary Fund.
Money fund is an excellent cash management tool, which can be used as a cash management tool for most ordinary investors together with demand deposits, short-term time deposits and other product combinations. The innovation of T+0 and daily compound interest represented by Yu 'ebao has basically replaced demand deposits and short-term time deposits, which is a great good thing.
But for ordinary investors, if you don't understand the cash use behavior and investment behind cash management, there will be two misunderstandings:
1, put all your money in the money fund.
The expected annualized expected return of general money funds is within 3%-5%, which is only used for cash management. Because of its strong liquidity, the expected annualized expected return is not too high. More public funds should be invested in other investment tools, such as bank wealth management products, national debt, stock funds, p2p lending, stocks and so on. All kinds of investment tools have their own advantages and disadvantages, and you can learn and choose according to your personal situation.
If you don't want to spend time learning to invest, you will just put all your money in the money fund. Finally, after many years, it is not much different from those who deposit all their money in the bank regularly.
According to personal assets and cash usage, put some money in the money fund to meet daily expenses. The rest of the money should be put on other investment tools, and investment and financial management are knowledge that should be learned in a long life.
2. Is it convenient to choose the monetary fund only from the perspective of expected annualized expected income and ignore other cash expenditures?
The most common scene of public daily cash expenditure is fixed monthly credit card repayment, especially for multi-card families, which is a large amount of capital expenditure at several fixed time points (the last repayment date of credit card) every month. Therefore, it is necessary to consider whether the platform is convenient for credit card repayment, otherwise the money fund can only return to the savings card account and go through the credit card repayment process again, which will result in a lot of operations.
In addition, utilities, fixed telephone charges, broadband fees, property fees and other daily living expenses, the ultimate source of outflow of funds are monetary fund accounts.
In this regard, the linkage between Yu 'ebao and Alipay has considerable advantages. The WeChat linked by Licaitong is a mobile APP, which has nothing to do with Tenpay, and Tenpay is far less than Alipay in the payment of living expenses.
Assuming that everyone is used to online shopping, it is wise for friends without credit cards to choose Yu 'ebao. The advantage of Yu 'ebao in consumption expenditure can be said to be unparalleled.
Third, others.
The so-called user experience is a trivial matter for large Internet companies, and the platform itself is constantly evolving. It is meaningless to compare various treasures with user experience.
As for security, there is basically no problem. If you are worried about the safety of all kinds of babies, you might as well think about it yourself. Don't lose your mobile phone, don't set your birthday password, don't put your ID card in your wallet, and don't get caught fishing online.
Of course, the security of funds is a very important indicator, but at the level of Ali, Tencent and established fund companies, the so-called security problems are more from the carelessness of the public.
Fourth, summary.
1. Which monetary fund platform to choose is based on your own asset allocation. If you only put a small amount of money in the money fund, putting the balance treasure is the best choice, and more time should be spent on the research and use of other investment tools. If most of the money is in the money fund, it is time to screen the platform.
2. The screening indicators of any investment tool are expected annualized expected return, liquidity and risk, and the money fund is no exception. If the comprehensive historical expected annualized expected return data of Platform A is higher than that of Platform B 1%, it can be considered to transfer the platform (not higher than Yu 'ebao 1% No transfer is recommended, 1 annual expected annualized expected return 1 ten thousand only 1 ten thousand). However, due to the frequent flow of money, the liquidity convenience of the money fund is also very high. In this regard, Alipay has great advantages in credit card repayment, living payment and online shopping consumption.
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