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What is the meaning of short-term debt in wealth management products?
Short-term debt funds mainly invest in bonds, and the remaining maturity of bonds generally does not exceed 397 days, so the wind direction of short-term debt funds is smaller than other types of bond funds, belonging to medium and low risk funds. As we all know, time deposits issued by banks are protected by the Deposit Insurance Ordinance, so time deposits are guaranteed.

Short-term bonds: funds that invest in bonds. This is a form of bond portfolio. It is a fund that mainly invests in fixed-income financial instruments such as treasury bonds and financial bonds. Because the income of the products it invests in is relatively stable, it is also called "fixed income fund".

According to the different charging rules of funds, foundations are divided into Class A and Class C.. Class A charges subscription fees and redemption fees (the longer the holding time, the lower the rate, and the lowest can be 0), which is suitable for long-term investors; Class C does not charge subscription/redemption fees, but charges a certain percentage of annual sales service fees, which is suitable for short-term investors.

Short-term debt bond C refers to the short-term debt fund in the bond fund, and the fees are charged according to Class C. ..

Investment income. It is reported that the income of short-term debt funds is updated daily, with ups and downs, so the income of short-term debt funds is floating. On the whole, the expected yield of short-term debt base is around 5% on average. The annual interest rate of time deposit wants to reach 5%. At present, only some small and medium-sized banks are likely to have five-year certificates of deposit or smart deposits.

I. Short-term bonds

1. Short-term bonds, also known as short-term bonds, refer to bonds that some companies publicly issue to the market in order to raise certain funds in a short time.

2. Short-term bonds generally do not exceed one year. Some projects in the market called medium-and long-term bonds are actually short-term bonds if the project time does not exceed one year. The issuers of short-term bonds are mainly national governments or enterprises.

Second, bonds.

1. A fund that invests in bonds is a form of bond portfolio. It is a kind of fund that mainly invests in fixed-income financial instruments such as treasury bonds and financial bonds, and is also called "fixed-income fund" because the product income it invests is relatively stable.

2. Bond yield = bond price+bond interest. Bond income will change the net value of the fund. In the process of investment, you can directly look at the rise and fall of net worth. Fund net value rises, fund income, fund net value falls, fund loses, bond fund relative income is relatively stable, but the income is low.

Three. fund

1. According to the different charging rules of funds, foundations are divided into account categories. Class A charges subscription fees and redemption fees (the longer the holding time, the lower the rate, and the lowest can be 0), which is suitable for long-term investors; Class C does not charge subscription/redemption fees, but charges a certain percentage of annual sales service fees, which is suitable for short-term investors.

2. Short-term debt bond C refers to the short-term debt fund in the bond fund, and the fees are charged according to Class C. ..