Many investors invest in high-risk funds, such as hybrid funds, index funds and stock funds. When there is a loss, the monetary fund with lower risk will be preferred. The following small series brings the following monetary fund net value, which is of great benefit to you. Let's have a look.
Is money fund a net worth product?
Money funds are not net worth products. The net value of a general money fund is 1. In fact, even if it is a net worth product, it is likely to lose money when managing money. Because financial management is not guaranteed and risky, money funds are also risky in theory.
It's just that the risk of money funds is relatively small. Most of the funds of the Monetary Fund are invested in cash, bank deposits with a maturity of 65,438+0 years (including 65,438+0 years), bond repurchases, central bank bills, interbank deposit certificates, bonds with a remaining maturity of 397 days (including 397 days), debt financing instruments of non-financial enterprises, asset-backed securities, etc.
Therefore, it is the least risky fund with relatively good liquidity. Generally, T+ 1 can be redeemed, and the arrival time is faster. For example, on weekdays, it can be redeemed on Tuesday, but it should be noted that the redemption time of money funds on Saturday, Sunday and holidays will be slower, so if there is a demand for funds, it can be redeemed a few days in advance.
Will the net value of money fund be lower than 1 yuan?
Theoretically speaking, the net value of the money fund may be lower than 1 yuan, because the money fund is not a deposit, it is risky, so there is the possibility of loss. For example, when the financial crisis comes, the money market may be hit, thus affecting the fluctuation of the investment direction of the money fund, and the money fund may lose money.
Another situation is the risk of huge redemption, that is, if the money fund encounters huge redemption, the fund manager may sell the bonds held by the money fund to deal with the redemption, which will lead to the decline of bonds.
In order to meet the demand of redeeming funds, fund managers can only sell at low prices. When the price is relatively low, the net value of the money fund will fall below 1 yuan, resulting in losses. Generally, this situation is relatively rare, and the net value of most money funds is above 1 yuan.
Seize the stocks with continuous daily limit.
In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.
Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.
As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.