Over-the-day income = (over-the-account fund with confirmed interest/10000)* every ten thousand income announced by the fund company on the same day.
For example (for reference only): the initial value is 30,000 yuan, and the income of 10000 copies on the same day is1.140, so the income of the day is 30,000/10000 *1..
2. Which is more cost-effective than time deposit?
If you are less than 50,000 yuan, it is obvious that you are profitable, so don't deposit a fixed deposit for the following reasons:
(1) First of all, the rate of return is obviously greater than one-year fixed deposit. You said you would save it for five years, so I said nothing ...;
(2) Secondly, liquidity is much better than fixed deposit, and it is no different from demand;
(3) In terms of security, the super surplus is basically close to the deadline, because the super surplus is a money fund, and the occurrence of risks is a very small accident, which we can ignore statistically.
Extended data:
The first concern of investment and financial management is risk. The mobile phone launched by China Merchants Bank last year is super-winning, which is a wealth management product similar to Yu 'ebao. It is very convenient for mobile banking users of China Merchants Bank to open super-win inquiry and redemption and enjoy the expected annualized expected income every day. So, is China Merchants Bank Ying Chao Branch secure and China Merchants Bank Ying Chao Branch safe?
At present, the class B (code: 000607) of China Merchants Fund Zhaocaibao Monetary Fund, which is docked for the first time, belongs to the monetary fund, and its net unit value is always 1. Therefore, there is no change in appreciation and depreciation, only the expected annualized expected return changes, and the principal is safe. The expected annualized income of the latest 10,000 copies is around 1 yuan.
Most money market funds have the lowest risk among all kinds of funds, and money fund contracts generally do not guarantee the safety of principal, but in fact, due to the nature of funds, money funds rarely lose principal in reality. Generally speaking, money funds are regarded as cash equivalents.
China Merchants Bank's super win is actually China Merchants Bank's own balance treasure. Buying this product is equivalent to buying the investment promotion fund of China Merchants Bank. The security of the money fund is obvious to all. However, we can't guarantee the expected annualized expected return, but only refer to the average expected annualized expected return of the money fund, which is between the expected annualized interest rate of 1 year time deposit and the expected annualized interest rate of 3-year time deposit.
The security of China Merchants Bank's super win involves two aspects, one is the risk of online payment, and the other is the risk of investment.
From the risk of online payment, China Merchants Bank Chaochaoying operates through the mobile banking client, and the security of China Merchants Bank's mobile banking client is generally trustworthy, but investors need to protect the security of their mobile phones and the security of China Merchants Bank card account passwords.
From the perspective of investment risk, because China Merchants Bank is linked to the money fund, the investment target of the money fund is relatively safe and the risk is extremely low. Unless extreme circumstances (financial disorder, sudden huge redemption, regime change, etc.). ), the money fund may suffer losses. Therefore, the investment risk of China Merchants Bank beyond Ying Chao is relatively low. Under normal circumstances, we will think that China Merchants Bank is safe.
The product actually invested by Chaochao is "China Merchants Fund Zhaocaibao Monetary Fund 000607", and the cumulative subscription limit is 50,000 copies. Redemption will arrive in real time, and the number of redemptions to the bank card is unlimited. Banks have the highest confidentiality standards and high security, so as to ensure the safety of customers' funds.