1. What is a cargo base?
A fund is a fund product that we give money to fund companies to help them manage their finances, and a money fund is a fund product that invests money in a less risky money market to make money. The cargo base is characterized by high liquidity, high security and stable expected annualized expected income, which is called "quasi-savings".
2. What is the expected annualized expected return of the Monetary Fund?
Due to the high liquidity and security of the money fund, it is difficult for it to achieve a higher expected annualized expected return. A good money fund expects an annualized rate of return of around 4%-5%.
3. What is the liquidity of the Monetary Fund?
Most cargo bases are T+ 1 or T+2 accounting rules. For example, if you buy a cargo base today and there is no expected annualized expected return on that day, interest will be calculated after 1 day or 2 days; Similarly, if you sell a cargo base today, the funds will be returned to the account in 1 day or 2 days. This fluidity is very convenient. (Now there are several T+0 goods that have arrived. )
Remember to buy or redeem the goods base before 3 pm on the working day, because after this time, your application will be postponed to the next working day. On legal holidays, many cargo bases will shut down the system one or two days in advance.
4. How safe is the money fund?
In addition to national debt, bank deposits and capital preservation products, cargo base is regarded as an investment product with high safety factor and is called "quasi-savings". What friends need to pay attention to is that no matter how high the cargo-based security is, it is theoretically possible to lose money. A while ago, there was a loss-making cargo base, so the cargo base was not 100% guaranteed.
5. How should the investment be distributed?
Generally speaking, the money that may be used in the next 3-6 months is more suitable for storage. The liquidity of the cargo base is very good (easy to buy and sell), the safety is high (the loss may be small), and the starting point is also very low (generally 100 yuan for sale), which is very suitable for storing short-term funds. But don't put too much money on the cargo base, after all, the expected annualized expected return will not be very high.