At the same time, the Monetary Fund invests in central bank bills, government bonds, corporate bonds and other products. Therefore, the risk of e-mail is relatively small.
E-mail can be transferred out at any time on non-trading days, with a single-day transfer quota of 200,000 yuan, and the redemption funds are received in real time, which makes investors' funds more mobile.
Postal Savings Easy Treasure is similar to Yu 'ebao, and the income is also calculated on a daily basis. On the investment threshold, 1 cent can be used to invest, so there is almost no threshold, and customers' idle funds can be used. At the same time, users need to pay attention to the fact that the maximum amount of money in a single day is 6,543,800+10,000 yuan. Therefore, in the process of use, do not exceed the prescribed limits.
One of the biggest advantages of E-mail is that it can be traded at any time, even on non-trading days. If users need urgent funds, they can withdraw them at any time. When buying or redeeming, users only need to log in to mobile banking and find the entrance of Houpaypal.
Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. It specializes in investing in low-risk money market instruments, which is different from other types of open-end funds. It has the characteristics of high security, high liquidity, stable income and "quasi-savings".
The assets of the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities.
In fact, the investment scope of these money market funds are all varieties with high safety factor and stable income. Therefore, for many enterprises and individuals who want to avoid the risks in the securities market, money market funds are a natural haven. Under normal circumstances, you can get higher income than the interest on bank deposits, but the money fund can't guarantee the safety of the principal. (But in fact, due to the nature of funds, money funds rarely lose their principal in reality. Generally speaking, money funds are regarded as cash equivalents. )
Product characteristics
1. Principal security: Most money market funds have the lowest risk among all kinds of funds. Money fund contracts generally do not guarantee principal security, but in fact, due to the nature of funds, money funds rarely lose principal in reality. Generally speaking, money funds are regarded as cash equivalents.
2. Strong liquidity: liquidity can be comparable to demand deposits. The fund is easy to buy and sell, with short time to receive funds and high liquidity. Generally, the funds will arrive in a day or two after redemption. At present, some fund companies have opened the instant redemption business of money funds, which can be received on the same day.
3. Higher rate of return: Most money market funds generally have the income level of national debt investment. Money market funds can not only invest in investment tools that ordinary institutions can invest in, such as exchange repurchase, but also enter the inter-bank bond and repurchase market and the central bank bill market for investment. Generally, their annual net return rate can be compared with the one-year time deposit rate, which is higher than the income level of bank deposits in the same period.