Higher returns and relatively safe, it is the choice of steady investment.

1. Licaitong is a cash treasure Internet financial product launched by WeChat. It is a monetary fund invested and operated by Huaxia Fund. You can use the mobile phone WeChat operation, which is simple. The daily rate of return of money funds is different, and the current rate of return is around 6%.

2. The risk is very small (in theory, every investment and wealth management product has risks):

Monetary fund operation: fund companies obtain income through various investment portfolios and allocate fund shares. Monetary fund is an open-end fund. According to the types of financial products invested by open-end funds, open-end funds can be divided into four basic types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the latter is the money market. The money fund mainly invests in bonds with a remaining maturity of less than 397 days (including 397 days), central bank bills with a maturity of less than one year (including one year), bond repurchases, bank time deposits, certificates of deposit, cash and other liquid money market instruments. Also known as "quasi-savings products", its main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividends".

There are some risks in money fund investment, but compared with other investment methods, the risks are still relatively small. The risk of money market funds comes from the short-term bonds they invest in and the changes in market interest rates. When the market interest rate suddenly changes and the short-term bond interest changes, the fund fails to adjust in time, resulting in a decline in overall income. There is also the risk of competition from its own industry, and the calculation of its seven-day annualized rate of return is based on the most favorable price of the fund company in the income curve of the day. Causing the difference between quoted income and actual income.

Generally speaking, when the following two conditions are met at the same time, the money market fund may lose its principal: first, the market yield rises sharply in the short term, resulting in a sharp drop in securities prices; Second, the money fund redeemed a large number at the same time, unable to hold bonds with falling maturity prices, and caused actual losses after selling bonds. According to relevant calculations, the probability of a single-day principal loss of money market funds is very small (0.06 1 17%). If you hold it for a week or a month, the probability of principal loss is close to zero. With the extension of holding period, the loss probability caused by market risk will be very low. However, domestic monetary funds are not allowed to invest in stocks, convertible bonds, corporate bonds below AAA level, so the probability of credit risk is low.