High long-term return
The money fund has two indicators to measure income, ten thousand income and seven-day annualization. However, the income of 10,000 copies is only one day's income, and the annualized income of seven days is only the average income level of the past week. If we can't completely look at the ex-factory price, we have to be good. Therefore, what we need to look at is the long-term performance of the money fund. Only a good fund can achieve excellent results in the past year or longer.
There is a trick. Click on the fund ranking of Tian Tian Fund Online, and then select Monetary Fund to see the ranking of Monetary Fund. The higher the ranking, the higher the income.
The scale of the fund is moderate.
Choose the top money fund first, but at the same time pay attention to the size of the fund. The scale of the fund is too small, and the daily purchase and redemption will have a great impact on the fund. At the same time, the lack of bargaining chips between funds and banks will also lead to a decline in income. If the scale is too large, the money fund should consider more security and liquidity, and the income will be less important.
Yu 'ebao, criticized by many friends, is characterized by its large scale and sufficient liquidity, so most of its investments are short-term assets, which makes its income only in the middle reaches.
From the analysis of the scale and performance of the money fund, the money fund with the scale of100-400 billion can achieve higher returns. Therefore, you can choose a fund with a scale of100-400 billion among the top performance funds.
Individual shareholding ratio is greater than 70%
Money funds with individual fund holders are less likely to have huge redemption, which can avoid the losses caused by selling the unexpired bonds at low prices. Therefore, it is necessary to choose individuals who hold more than 70% or not less than 60% of the money fund.
convenient to use
As a cash management tool, the Monetary Fund plays a similar role as a fireman in life, and is more used for emergency and fire fighting, so it is very important whether it is convenient to use. Its convenience is mainly reflected in the usage scenarios and the exchange speed. The more scenarios you use, the more money you can exchange at the same time, and the better the convenience.
In addition to the above four points, there is another question: when is the most cost-effective time to buy a money fund?
Everyone knows that "trading day", that is, T day, means trading. That trading day is a working day except weekends and legal holidays.
T day to buy money funds, 3 pm is a key time point. For example:
You buy at 2: 50 pm on Monday, confirm your fund share on Tuesday and start calculating the income, and you will see the income on Wednesday;
You buy at 3: 10 on Monday afternoon and submit the purchase order on Tuesday. You will confirm the subscription share on Wednesday and start to calculate the income, and you will not see the income until Thursday.
If you buy at 3: 10 on Thursday afternoon, you will miss the income on Friday and weekend ~ ~ ~ ~
Therefore, it is a good time to buy before 3 pm from Monday to Thursday or 2 days before the long holiday, and you can start calculating the income the next day.
I hope that through the above skills, when you buy a money fund, you can choose a good fund with higher returns and safer.