1. When we open the change card, the most intuitive data we can see about the income is the annualized situation of the fund in the past seven days. Of the 9 funds, only 3 funds have annualized more than 2% in the last seven days, and the other 4 funds have annualized between 1.8%- 1.95%. Among them, the highest income is Wanjia Tianlibao A, which has been annualized to 2.38% in the past seven days.
2. Then shall we choose the one with the highest annualized rate?
Of course not! Although the money fund's income fluctuates very little, its income fluctuates daily, so we can't just look at the income for a few days. The aging in the past seven days does not represent the aging in the history of the fund, let alone the aging income of the fund in the future.
2. You can check the details of the fund in the change order. You can refer to the seven-day annualized income curve of the fund in the past month and three months. The annualized income of Wanjia Tiantianbao A only rose to 2.38% in two days, but the historical income was very low, and the annualized income in the first three months was only around 1.5%. It can be seen that its historical income is not good, and it may only float for a short time. From the perspective of income stability, it is not recommended to choose this fund.
On 3.7, South Cash Connect E, which ranked second in annualized income, has been annualized to 2.06% in recent seven days. The income of this fund has little fluctuation and can be stabilized at around 2%, and the annualized income is rarely lower than 1.9%, so you can choose. Puyin AXA Ririfeng D has been annualized by 2.05% in the last seven days, and its fluctuation in the last three months is greater than that of Southern Cash Connect E, but it can reach 2.24% when it is high, and only 1.58% when it is low, but it is average.
3. Yifangda Easy Finance Fund has been annualized for seven days 1.938%, and its income has increased steadily and slightly in the past two months, which can be considered. Huitianfu Quanbaobao has also increased slightly in the past month, but it does not exceed 2%. The overall income is stable and there is no bright spot. The three funds with the lowest annualized rate in recent seven days, Huitianfu cash treasure Currency, Penghua Value-added Treasure Currency and Huaxia Cash Profit-increasing Currency A, earned only 1.8%, which was not as good as Southern Cash Connect E in three months.
4. Generally speaking, the returns of nine money funds with little change are 1.8%-2.38%, and the characteristic returns of money funds fluctuate little, with little difference. If it is for short-term gains, you can choose Wanjia Tiantianbao A with the highest annualized rate in the past seven days, but from the long-term income and performance of the fund, Southern Cash Connect E is a good choice. Moreover, southern fund Company is also one of the best fund companies in China.