1, IMF:
Money fund is not the same as bank deposit.
Money fund is a fund product that can be purchased and redeemed at any time. Its investment scope mainly includes short-term securities with high credit rating such as bank time deposit certificates, government bonds, central bank bills, commercial bills and corporate bonds. The average remaining period of the portfolio is 65,438+0.20 days, and its risk and expected return are lower than those of equity funds, hybrid funds and bond funds.
2. Conventional financial management:
Compared with money funds, regular wealth management products are less liquid and more risky. Regular wealth management product is a fund product with fixed investment term. Only when it expires, can it be exchanged for higher returns than the money fund by periodically reducing liquidity. It belongs to low-risk products, and the expected risk level is higher than that of money funds, and lower than that of hybrid funds, stock funds and ordinary bond funds.
In order to ensure the safety of users' funds, Licaitong has created a security card strategy, and users buy wealth management products at the first time.
The savings card will be set as a security card, and subsequent purchases and redemptions can only use this bank card, and the funds are closed.
Circular flow ensures safety.
3. Insurance financing:
Insurance wealth management products are investment wealth management products issued by insurance companies and supervised by CIRC, including universal insurance, investment-linked insurance, dividend insurance, endowment insurance and other insurance products. Compared with the monetary fund, the investment scope of insurance wealth management is wider, mainly investing in bank deposits with good liquidity, short-term bonds, quasi-securitized financial products with high credit rating and other investment tools allowed by the CIRC, among which the proportion of investment in quasi-securitized financial assets is not higher than 30%. The risk of insurance financing is higher than that of money fund.
4. Index funds:
Index fund refers to a fund product operated by a fund company and tracked by a specific index. Usually, "the index goes up, the fund goes up, and the index goes down". Index funds are high-risk products, and investment may lose money.