1, click three points in the upper right corner of Yu 'ebao interface, and select fund details in the pop-up menu.

2. In the fund details interface, click the View More Products menu below to enter the product replacement interface.

3. Click the menu of product replacement to select other monetary funds.

Operating environment:

Brand model: Huawei mate30

System version: HarmonyOS system 2.0.

App version: 10.2.50

There are five points to choose the money fund: 1, scale; 2. Alternation between old and new; 3. Ordinary investors are still suitable for Class A funds; 4. funding; 5. Fund income.

Because of its stable rate of return and strong liquidity, the money fund has become a well-deserved king of cash management and is deeply loved by the majority of small partners. So how should we choose a high-yield money fund in the market?

(1), depending on the scale

Generally speaking, the bigger the money fund, the better; In order to cope with redemption, smaller money funds hold a higher proportion of cash, so the funds used for investment are relatively small, and the income is also reduced.

(2) Look at the old and new

With the growth of age, money market funds become more and more popular. Old funds are generally mature in operation, have certain investment experience and hold more high-yield varieties. It is relatively wise to choose a money fund with a long history and relatively stable performance.

(3) look at a and B.

At present, among the 587 monetary funds, 2 1 1 is a Class A fund and 198 is a Class B fund. The main difference between the two is the investment threshold. Generally, the initial investment of Class A funds is 100 yuan, and the initial investment of Class B funds is more than 5 million yuan. From the perspective of income, the income of Class B is higher than that of Class A, but the threshold is higher, so ordinary investors are still suitable to choose Class A funds.

(4) The tighter the funds, the more money you make.

The rate of return of money funds is bound to be related to the tension of market funds. In 2007 and 2008, the money market interest rate was relatively high, and the annualized rate of return of the money fund at that time also remained above 3%. In 2009, benefiting from the investment policy of 4 trillion yuan, the funds were extremely loose, the lending and repurchase rates dropped to around 1%, and the yield of money funds also dropped sharply.

(5) Look at income

There are two main indicators of the income of the money fund, one is the rate of return per 10 thousand shares, and the other is the annualized rate of return on the 7 th. The rate of return per 10,000 shares refers to a data that the income from the daily operation of the money fund is evenly distributed to each share, and then measured and compared with 654.38+0,000 shares as the standard. The 7-day annualized rate of return refers to the average annual rate of return per 10,000 fund shares of the Monetary Fund within 7 natural days.

We often hear people around us say that "the yield of this money fund is 2%", and the 2% here is the 7-day annualized yield of the money fund. When choosing a money fund, we should not only look at the 7-day annualized rate of return, but also combine the two. Monetary fund with stable annualized rate on 7th and stable income of ten thousand shares is the best choice.