For investors who hold money on the sidelines or have a high demand for cash liquidity, the historical expected annualized rate of return of a well-managed money fund can exceed many kinds of short-term wealth management products, which is very convenient to realize and is a good tool for cash management. But for dozens of money funds with strong homogeneity, it is really a problem for investors to choose. Therefore, taking a fund in the money market as an example, we can comprehensively consider how to invest in the money fund through three steps.
The first step is to choose the right purchase channel. Being able to realize cash at a faster speed is the most fundamental requirement for money market funds as a cash management tool. It takes 2-3 days to redeem money funds through banks or securities firms, while it usually takes only 1 working day to redeem money funds through the online trading system of fund companies.
The second step is to skillfully use the special functions of investment money funds provided by fund companies. For example, Huaan Fund has developed a special investment tool called Li Zengli, and investors can invest in money funds and Li Zengli. Investors can first buy a low-risk currency or bond fund as a seed fund, and then designate a medium/high-risk fund as a profit-increasing fund. The expected annualized income of the seed fund will be regularly invested in the profit-increasing fund, so as to obtain higher expected annualized income through reinvestment of the expected annualized income. Of course, the reinvestment method of the expected annualized income of the money fund can choose the ordinary regular quota method or the trend fixed investment strategy of Huaan Fund's electronic platform. Take February 2004 1 1 to October 2004 1 1 as an example. If you have been investing in the money fund, the expected annualized income is. If the standard version strategy of increasing profits is adopted, the expected annualized income generated every month is regarded as the general fixed investment of Hua' an Bao Li, and the expected annualized income is 365,438+0,874.88 yuan; If the expected annualized income is reinvested in a profit-increasing trend strategy, the expected annualized income will reach 50006+0 yuan, which obviously exceeds the expected annualized income.
Finally, choose a fund that has been established for a long time and has a good expected annualized return. Take Huaan Cash Fuli, the most senior money fund in the market, as an example. Founded in 2003, it is the first money market fund in the A-share market. Has rich investment experience and excellent performance. As of165438+1October 25th, the expected annualized rate of return of Huaan Cash Fuli A and Huaan Cash Fuli B reached 3.5 1.