What indicators to look for when buying a money market fund, and what to look for when choosing a mo

The main investment targets of currency ** are:Short-term treasury bonds, central bank bills, bank certificates of deposit and other products with high security, so the security of the currency ** is very high.

Currency** returns are measured by the seven-day annualized rate of return and 10,000 returns.

7-day annualized rate of returnIt is the annualized rate of return of the last 7 days, which is different every 7 days every day, it will fluctuate and change, and can only be used as a reference standard, which does not mean that you will have this income every day after you buy it.

10,000 earningsIt refers to the income per 10,000 cents, because the net value of the currency ** is always 1, so the 10,000 points income is what the income can be obtained by buying 10,000 yuan.

Because the earnings fluctuate every day, the annual returns also fluctuate, roughly between.

It is precisely because the security and liquidity of the currency ** are relatively strong, you can choose the one with high returns when buying.

Warren Buffett has repeatedly advised investors: "Be sure to invest within the limits of your understanding." ”

Sharpen the knife and do not cut the wood, learn financial knowledge before investing, and it is better to understand clearly before investing.

To buy currencies**, you can pay more attention to the following indicators:

1. Basic version: unit net value, cumulative net value, net value growth rate;

2. Advanced version: performance comparison benchmark, average rate of return of the same kind;

3. Advanced version: volatility, Sharpe ratio, maximum drawdown.

Ping An Bank has a variety of consignment sales**, different**, risks, returns and investment directions are different, you can log in to Ping An Pocket Bank APP-Home-Finance-**, learn more and buy.

2. The product is issued and managed by the company, and Ping An Bank is only a distribution agency, and the agency does not assume the responsibility for the investment, redemption and risk management of the product. Entering the market is risky, and investment needs to be cautious.

At present, the investment is very hot, of which the **type is the largest number in the market**. However, the volatility of returns and risks is still difficult for some prudent investors to bear. As a result, currencies** with fewer yields but more stable have become the preferred interest of such investors.

How to choose a currency**?

In the face of many currencies in the market**, we can filter according to the following methods.

Yield: From the perspective of the overall currency ** in the current market, the absolute yield is not high, but the difference between them is still relatively obvious.

Since the risk of currency ** is relatively small overall, when we choose currency**, the high yield of 10,000 shares and the 7-day annualized rate of return are our first choice. Liquidity:

Under normal circumstances, currency** is traded according to the rule of T+1, which means that the funds will only arrive on the second trading day after we successfully apply for redemption. However, there are also a lot of currencies similar to Yu'e Bao docking in the market**, which are usually available at any time and arrive in real time, and the liquidity of the answer is very good.

**Scale: From the perspective of scale changes, the moderate growth of scale is conducive to the management and allocation of funds, and the reduction and substantial increase of funds are not conducive to asset management, so it is best to choose a moderately sized ** product.

All in all, due to the small risk of currency, it is mainly to look at the return, and then conduct a comprehensive analysis from the flexibility of funds, scale, etc.

Parameters to consider when buying**:

1. The net value of ** on the day represents the amount of money corresponding to each **. 2.Dividends, dividends refer to the distribution of a part of the income to investors in the form of cash, which was originally a part of the net value of the unit.

**There are generally two forms of dividends: cash dividends and dividend reinvestment. In general, cash is defaulted if the investor does not specify.

2. **Position. If you have more research on the industry, Qingsun Mu can see if the key positions in one are the ones you are optimistic about, which is the same as buying.

3. Scale changes.

4. Holder structure, the proportion of high-quality institutional holders is much higher than that of inferior **.

Extended Information:**Purchase Notes:

1) Pay attention to the proportion of ** varieties according to your own risk tolerance and investment purpose. Choose the most suitable ** for yourself, and set an investment ceiling when buying partial stock type**.

2) Be careful not to buy the wrong "**". **The popularity has attracted some fake and shoddy products to "fish in troubled waters", and it is necessary to pay attention to identification.

3) Pay attention to the later maintenance of your account. **Although it is worry-free, it should not be left alone. Always pay attention to new announcements in order to understand your holdings more comprehensively and in a timely manner.

4) Pay attention to buying**Don't care too much about **net worth. In fact, the income of ** is only related to the growth rate of net worth. As long as the growth rate of ** net worth remains leading, its returns will naturally be high.

5) Be careful not to "like the new and hate the old", do not blindly pursue the new, although the new has innate advantages such as discounts, but the old has long-term experience in operation and is more reasonable, and it is worth paying attention to and investing. According to different criteria, **investment** can be divided into different categories:

1) According to whether the unit can be increased or redeemed, it can be divided into open-ended and closed-ended. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2) According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

How do I pick a currency**? To buy currency**, you need to start with several indicators, filter out the high-quality currency** through comparison, and eliminate the next currency**. Choosing a currency** is generally considered from the following perspectives:

1. Look at the speed of cash withdrawal

It is necessary to ensure that the redemption funds can be withdrawn at any time, and the account will be received in a timely manner, and there is no time limit. Statistics show that among the 69 companies with currency**, a total of 35 companies have currency** "t+0" fast cash withdrawal business. Among them, there are 30 companies that support 365 days and 24 hours of uninterrupted acceptance of currency** fast withdrawals.

There are 14 companies such as Rongtong and Huaan that have redeemed funds at the minute level.

2. Look at the annualized expected rate of return of historical expectations

After the abnormal increase in income at the beginning of the year, the expected annualized expected return has basically fallen back to the normal expected annualized expected return range of about 4%. However, there is still a gap in the expected annualized expected return of different currencies** for different currencies. In terms of manifestation, the expected annualized expected return movement of a currency** can be broadly divided into the following two scenarios:

Situation 1: The historical trend is stable, with slight fluctuations (BOC Current Advisory).

Situation 2: The expected annualized expected rate of return fluctuates greatly, with obvious highs and lows (Galaxy Yinfu Currency**).

Situation 3: Smooth rise or smooth fall (Yue Bao).

3. Look at the subscription and redemption limit

To be able to redeem as much as you want, there is no limit to the redemption amount. Among the 35 currency** products that have opened fast cash withdrawals, there are only 6 products with a single-day cash withdrawal limit of not less than 1 million yuan, such as Rongtong Cash Treasure and China Universal Cash Treasure. Among these 6 products, Rongtong Cash Treasure is the only product with unlimited redemption amount.

The daily cash withdrawal limit of CUAM's products is 5 million, but at the same time, it is stipulated that the cumulative amount of cash in a single month cannot exceed 5 million. Wells Fargo Daily Wealth Management Treasure can withdraw up to 2 million in a single day, but the single limit is 50,000.

The hot capital market after the year has stimulated the enthusiasm of many novices to invest, but they are facing the embarrassment of inexperience. Currency is the first step for many whites to learn to manage money, so it is better to start with currency to learn to invest and manage money, so how should you choose currency? Today, let's take a look at it, the content is for reference only and does not constitute any investment advice.

1. What is currency**

Currency is an open kind of money market instrument that gathers idle funds in the society, is operated by a manager and kept by a custodian, and is specially invested in money market instruments with low risk. Money is a category, sometimes referred to as "cargo base", which is different from other types of open-ended, with high security, high liquidity, stable expected annualized expected returns, and the characteristics of "quasi-savings".

2. How to buy currency**

There are a few common ways to buy currency**.

**Company official website: Each **company has its own currency**. (When buying this company's **, you should first understand the company's qualifications and strength)**Supermarket:

In the well-known third-party comprehensive services category, you can find products in multiple currencies.

Mobile banking: In addition to ** companies, all banks also have currency ** products, such as Chao Chaoying of China Merchants Bank, Salary Treasure of ICBC, Current Treasure of Bank of China, Cash Treasure of Bank of Communications, etc.

The latter two are also often collectively referred to as "baby products", and their essence is still currency**.

3. How to choose a currency**

1. Choose products with stable and leading expected annualized returns. For currencies, the expected annualized expected return will not vary much, because currencies are less risky and stable. It mainly depends on the "7-day historical expected annualized expected rate of return", "15-day historical expected annualized expected rate of return", etc., which are relatively stable.

2. It is better to choose products with a large purchase limit. For example, there are some currencies** with a limited amount for a single person, and you can't buy it if you want to. It is often reminded that you cannot buy it on holidays, etc.

3. The cash withdrawal cycle generally chooses T+0 real-time arrival, and only by supporting real-time arrival can it flexibly replace the deposit, and you can withdraw it at any time and get cash at any time.

4. The T+0 real-time cash withdrawal quota should be open. For example, a bank's balance treasure can be unlimited for one day, up to 5000w, I think for ordinary people, it is enough to withdraw so much money at any time.

5. The bank card supported at the time of purchase must be used frequently. For example, the T+0 redemption of some ** companies does not support certain cards, and they are not reminded when they buy, and when they are in a hurry to use the money, they find that they can't withdraw cash in real time, so they can only be in a hurry.

6. The transaction time of purchase and withdrawal must be flexible, and it is best to support 7*24 hours of service in case of emergency.

7. Whether it is direct sales on the company's official website, a third-party sales agency, a bank sales agency, or an Internet cooperation agency, you must choose one that you are familiar with and easy to use.

Currency ** is a relatively stable product with relatively stable income, the possibility of making money for a long time is relatively large, and the possibility of loss is relatively small, so is it good to buy currency**? How do you see if the currency ** is good? Relevant content has been prepared for your reference.

Is it good to buy currency**?

For conservative investors, buying currency is a good choice, because currency is mainly invested in the currency market, the risk is relatively small, the income is relatively stable, in the long run, the possibility of making money is relatively large, and the possibility of losing money is relatively small.

When investors choose a currency, it is best to choose a product with a larger scale, a better manager, and a better past performance.

How do you see if the currency ** is good?

Judging from the past income of the goods hall, when choosing, try to choose the currency with the highest yield ranking, a good currency will not always be ranked in the countdown, followed by looking at the manager, to see whether the manager's past return rate is high, how much the management is, and how the income of the management is to judge whether it is a good manager.

Finally, it is better to choose a larger currency than a small one, but be careful not to choose too big or too small, it will be better to choose a moderate scale and a large one, and the moderate growth of the model is conducive to the management and allocation of funds.

1. Net value of the unit: How much money you need to pay to buy a share**. For example, the unit net value of A** is 2 yuan, then you can buy 500 shares of A** for 1,000 yuan.

2. Cumulative net value: It is to continuously calculate the profit after excluding the two mechanisms of dividends and splitting. Suppose A** issues 500 shares, the unit net value is 2 yuan, you spend 1000 yuan to buy all, and then after a period of time** investment profit becomes a total of 1500 yuan, at this time the unit net value is 3 yuan, ** decides to take out 500 of them to dividends, then the unit net value becomes back (1500-500) 500 = 2 yuan, but the cumulative net value is still 3 yuan.

3. Estimation of net worth: Since the net value of ** Yu Qinghan is updated at 15:00 every day, the change of net value is not known in the intraday, so there is a net value estimated according to **constituent stocks and**, but this is also an estimate, and the ** positions in the previous report are used, which is of little reference significance.