For example, if you buy a fund of 654.38+ 10,000 yuan and hold it for one year, the yield will be 2%.
Then you will get a profit of 65438+ 100000 2% = 20000 yuan.
If you deposit it in the bank for one year, you can get the interest of 65438+ 1.8% = 0. 1.8 million, which is not very different from the money fund, but buying a money fund is generally higher than bank deposit.
However, if you need money halfway, you can get the current interest by depositing it in the bank for a fixed period of time, and the amount is even less. One advantage of the money fund is that it can be redeemed at any time, and the income is not discounted. Therefore, it needs comprehensive consideration!
Do you buy a money fund to protect your capital?
Buying a money fund will not break even. But judging from the risk of the money fund, it belongs to low risk. Generally speaking, it is very unlikely that the money fund will lose its principal, unless it is in some extreme circumstances, such as economic crisis or the company running away or liquidation bankruptcy.
Generally speaking, money funds are much less risky than stock funds and hybrid funds, and the investment threshold is relatively low. You can buy some money 10 yuan, and the subscription fee is free. Although it does not break even, it rarely loses money.
Generally, within 500,000 yuan, only bank time deposits can protect the capital. The reason why money funds don't protect their capital is because they are all volatile products, which have ups and downs, and investment is risky. Everyone should manage their finances rationally.