Are there any special considerations for investing in money market funds?

Monetary ** mainly pay attention to monetary policy, macro control, foreign exchange market environment, currency investment speculation, but the return on investment is not very high, the risk is not small, such as a **face value is 1 yuan, when the loss to the yuan** loss is 20%, I do not recommend to buy**, you can do other investments more flexible, details can be added to my deduction name consultation.

Nothing in particular. The main thing is that you have to pay attention to currency market policy changes. and some news about the currency.

More than 1,000 yuan can be invested**. Now that inflation is so strong and commodity prices are soaring, the best investment is to invest directly in commodities. As long as the CPI is going to rise, the commodity will inevitably hit a new high.

Moreover, commodity investment is low risk and high return. Coke, steel, thermal coal, fibers, and rare metals are all hot spots for investment in the past two years. If you are interested, you can add my name.

I'll tell you more.

As a cash management tool, the currency itself has relatively high requirements for liquidity, so the larger the scale, the greater the room for maneuver, which is more conducive to investment operations and risk control. For example, Harvest Currency, which has won the Golden Bull currency for four times, has been awarded the Golden Bull currency for four times, and as of the end of the first quarter of this year, its scale exceeded 10 billion yuan, which is multiple of the average size of the currency and accounts for the total scale of the currency.

Currency mainly invests in short-term currency instruments, such as treasury bonds, central bank bills, commercial papers, bank certificates of deposit, short-term bonds, corporate bonds, interbank deposits and other short-term valuables. Because the target of the investment is very safe, the currency is known as the capital preservation.

Extended Materials. Currency is an open-ended fund 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, which is different from other types of open-ended, with high security, high liquidity, stable returns, and the characteristics of quasi-savings.

Product Features: Principal security: Most of the money market investment varieties determine that the risk is the lowest in all kinds of money, currency contracts generally do not guarantee the safety of the principal, but in fact, due to the nature of the currency, the loss of the principal rarely occurs in reality.

In general, currency** is considered a cash equivalent.

Strong liquidity: Liquidity comparable to demand deposits. **Convenient to buy and sell, short time for funds to arrive, high liquidity, generally** redemption of one or two days of funds can be received. At present, the company has opened the instant redemption business of currency, which can be received on the same day.

Higher yields: Most money markets** generally have the same level of yield as Treasury investments. In addition to investing in exchange repurchase and other investment tools that can be invested by general institutions, the money market can also enter the interbank bond and repurchase market and the bank bill market for investment, and its annual net yield can generally be compared with the one-year fixed deposit interest rate, which is higher than the income level of bank savings in the same period.

Not only that, but the money market** can also avoid hidden losses. When inflation occurs, real interest rates can be low or even negative, and the money market** can keep abreast of interest rate changes and inflation trends to obtain stable and higher yields.

Low investment cost: The purchase and sale of the money market** are generally free of handling fees, and the subscription fee, subscription fee, and redemption fee are all 0, and the capital in and out is very convenient, which not only reduces the investment cost, but also ensures liquidity. The first subscription is 1000 yuan, and the second purchase is increased in units of 100 yuan.

Dividends are tax-free: The face value of most money markets will always remain 1 yuan, the income is calculated every day, and there is interest income every day, investors enjoy compound interest, and bank deposits are only simple interest. The monthly dividends are carried forward to ** shares, and the dividends are exempt from income tax.

1. Is the currency** safe? Currency assets are mainly invested in short-term currency instruments (generally with a maturity of less than one year and an average maturity of 120 days), such as treasury bonds, central bank bills, commercial papers, bank certificates of deposit, short-term bonds, corporate bonds (with higher credit ratings), interbank deposits and other short-term valuables.

In fact, the scope of the above-mentioned money market investment is a variety of varieties with high safety factor and stable expected annualized expected returns, so for many enterprises and individuals who want to avoid market risks, the money market is a natural haven. Due to the nature of the currency, the loss of the principal is rarely incurred in reality. Generally speaking, currency** is considered to be a cash equivalent.

2. What are the risks of currency**? Currencies are safer than other types of currencies, but that doesn't mean they aren't risky. Unlike bank deposits, money markets** do not guarantee the expected annualized expected level of return.

Therefore, although the money market** is less risky, it does not mean that the money market** is free of spine investment risk. Money markets** are subject to expected annualized interest rate risk, purchasing power risk, credit risk, and liquidity risk. However, since China's money market is not allowed to invest in bonds with a remaining maturity of more than 397 days, and the average remaining maturity of the portfolio must not exceed 180 days, in fact, the risk of the money market is low.

Since the birth of Yu'e Bao, baby wealth management products on the market have emerged in an endless stream. Choosing baby financial products is actually choosing a currency**. So, what do you need to pay attention to when buying currency**?

I'm going to talk to you about this topic today, and if you're interested, let's read on.

1. Choose the right size

It is best if the size of the currency ** is not too large. If the scale is too small, it is easy to liquidate (the red line of liquidation is 50 million); If the scale is too large, the expected rate of return will not go up, and Yu'e Bao is a typical example.

2. Select the top expected rate of return**

The competitiveness of a currency** is mainly reflected in the expected rate of return. To see whether the expected return of a currency is high, it is not only necessary to look at its seven-day annualized expected rate of return and 10,000 expected returns, but also to see its ranking in the same category.

There are more than 600 currencies in total, and if a currency ranks in the top quarter of the expected returns in the short term (half a year), medium term (1 year), and long term (3 years), then it is considered a currency with good expected returns. When you buy ** in Alipay, pay attention to check its expected income ranking.

3. Choose a small proportion of institutional investors

If a currency is overrepresented by institutional investors, it will be more affected when institutional investors redeem it. The first is the reduction of the scale, and the second is the impact of the expected rate of return, and it is the individual investors who suffer.

Take Yu'e Bao as an example, its institutional investors account for no more than 1% of the good segment, and the redemption of institutional investors** will not have too much adverse impact on it, and its expected income and scale are relatively stable.

1. What kind of investment is the money market**?

The money market is first and foremost one of the open families, and it is a financial instrument that is bounded between bank deposits and various other investments (such as bonds, bonds, etc.). In other words, for investors, the risk of buying the money market is the smallest of all products, while the liquidity is the highest in the open-ended family, and the income is very stable. In short, the money market is an investment with high security, high liquidity and high stability.

In many developed countries, it is almost the most important investment and financial tool for families and businesses.

2. What are the main investment operations of the money market?

As the name suggests, money market is the object of investment in money market instruments. At present, the investment scope mainly includes: short-term treasury bonds (with a remaining maturity of less than 397 days), bank bills, bank-backed commercial bills, banker's acceptance bills, bank fixed deposits and large-amount negotiable certificates of deposit, and money market instruments such as repurchase with a maturity of one year.

In fact, the scope of the above-mentioned money market investment is a variety of high safety factor and stable income, so for many enterprises and individuals who want to avoid market risks, the money market is a natural haven, which can not only obtain higher income than bank deposit interest under normal circumstances, but also ensure the safety of the principal.

3. What is the investment income enjoyed by investors when buying money market**?

We Chinese prefer bank savings, but in the environment of declining interest rates for many years, we are unable to invest in higher-risk ** or other speculative varieties. And the currency ** is also called abroad"Quasi-savings", which is an investment with more potential than savings returns.

On the basis of ensuring safety and liquidity, we have calculated that the average annual return of investment currencies** over the past four years has exceeded 3%, which is much higher than that of one-year fixed deposits with banks.

4. What risks will investors take when buying money markets**?

The investment scope of money market** is all short-term, high-security money market varieties, and the investment goal is to earn the coupon rate of these short-term investment varieties. Customers who have purchased money market ** can not only obtain corresponding investment income, but also directly consume, transfer, and issue checks on the funds held in the form of ** units in the money market ** when the conditions are ripe in the future.

In addition, the maturity time of investment instruments in the money market is very short, high quality and relatively stable, so it is highly liquid and not easily subject to market fluctuations. So, the risk is minimal in the entire family"Quasi-savings"Hence the aliases of the company.

Investing is an indirect way of investing. The management company concentrates investors' funds through the issuance of **shares, which are managed by the ** custodian (that is, a qualified bank), and the ** manager manages and uses the funds to invest in financial instruments such as **, bonds, etc., and then shares investment risks and benefits.

Currency is an open-ended fund 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, which is different from other types of open-ended, with high security, high liquidity, stable returns, and the characteristics of quasi-savings. Due to the emergence of digital currency, a new type of currency has emerged in the field of currency - virtual currency.

Buy Currency** A few tips.

Although the various currencies** in the market are not very different from each other, it does not mean that any currency can be purchased at will**.

First of all, you should try to choose a company that can open convenient online transactions, such as Guolianan. People who invest in currencies** are interested in its function as a deposit substitute, and if you have to go to the branch every time you make a deposit or withdrawal, it will definitely make you less enthusiastic about investing.

Secondly, you should try to buy after the holidays. According to the current bank transfer system and the ** interest calculation method, investors subscribe to the money market ** at the distribution agency (bank and brokerage) on the T day, and confirm and start to enjoy the daily ** investment income on the T+1 day. It should be emphasized that investors should resolutely avoid subscribing to currencies on the day before the statutory holiday**.

Third, we should pay more attention to the net income of 10,000 shares. The seven-day annualized rate of return has a certain reference value, but it is easy to be manipulated by ** managers. The 10,000 returns and the resulting daily net returns are the actual investment returns that investors enjoy on a daily basis and cannot be manipulated.

Currency** investment tips.

Monetary ** is an open-ended**, invested in the money market, mainly investing in bonds, central bank bills, repurchase and other short-term financial products with high security, with a maximum period of 397 days. The return of currency** is generally higher than the bank's fixed deposit rate, which can be redeemed at any time and confirmed on T+2. Therefore, currency** is very suitable for units and individuals who pursue low risk, high liquidity, and stable income.

Insist on buying currency**"Buy the old not the new, buy the high not buy the low, the short is not long"principles.

First of all, the old currency should be given priority when buying currency, because after a period of operation, the performance of the old currency has become clear, but it will take time to verify whether the new currency can achieve good performance.

At the same time, investors should try to choose high-yielding currencies** with consistently high annual yields. However, it should also be remembered that currency ** is more suitable for managing current funds, short-term funds or temporary funds that are difficult to determine the purpose for a while, and for medium and long-term inactive funds for more than one year, you should choose treasury bonds, RMB wealth management, bonds** and other financial products with higher returns.

Currency ** Currency ** Earnings distribution is published only in the following ways"Earnings per 10,000 shares"with"7-day annualized rate of return"Both. "Earnings per 10,000 shares"It means that for every 10,000 shares of currency**, the income that can be obtained on the day is yuan; "7-day annualized rate of return"It refers to the average return converted into a year's yield, which is a parameter that examines the long-term profitability of a currency"7-day annualized rate of return"The higher the currency**, the higher the profitability. However, it should be noted that this indicator has certain limitations:

Because if there is a certain day of return is particularly high, then the seven-day annualized return of this day will be pulled up, so it can only be a reference index for selecting products. It is important to look at past historical performance and evaluation.

The net value of the currency remains unchanged at 1 yuan, and the change in its income is reflected by the change of the share, and the investor can get back the funds by redeeming the share. Currency** is available only in the following ways:"Dividends are transferred"Therefore, every month, the company will carry forward the accumulated income into currency shares and distribute them directly to the investor's account, and the currency redemption rate is 0%, and there is no handling fee.

In addition, on holidays and weekends, currency ** will also have income, so in case of some long holidays, you can subscribe for currency ** two working days before the holiday in advance to obtain the benefits of the holiday.

Currencies** generally have the highest yields of the year at the end of the month and quarter, as well as at the end of the year.