CCB virtual Monetary Fund
Publish: 2021-05-21 02:35:49
1. If you want to buy a low-risk one, you can buy one with the risk level of R1, which is traditionally understood as the type of capital preservation and interest protection. Now the bank can't promise to guarantee the capital preservation and interest protection to customers, but R1 risk can be basically understood as no risk. Now every bank has this kind of financial management. With the amount of more than 50000, low-risk procts are R2 level. You can consider these two types of financing. In other words, the interest rate gap between these two types of banks is also very large, so we can consult more.
2.
There are risks
monetary fund is an open-end fund that gathers idle social funds, which is operated by the fund manager and kept by the fund trustee. It is specialized in investing in money market tools with low risk. Different from other types of open-end funds, it has the characteristics of high security, high liquidity, stable returns and "quasi savings". Due to the emergence of digital currency, a new type of monetary fund appears in the field of Monetary Fund virtual Monetary Fund
extended data
purchase principle
monetary funds are favored by investors for their unique advantages of income equal to or higher than one-year fixed deposit and flexibility close to demand deposit“ But monetary funds are not bank deposits. " Chongqing financial experts said that monetary fund is a cash management tool, investors should adhere to the following principles when buying Monetary Fund
First of all, we should adhere to the principle of "buy old but not new"“ After a period of operation, the performance of a monetary fund has been tested by the market, and whether a newly issued monetary fund can achieve good performance still needs time to test. " Chongqing financial experts said that the newly issued monetary funds still have a closed period, ring which they can not be redeemed, so their flexibility will naturally be limited Secondly, we should adhere to the principle of "buy high but not low". Chongqing financial experts suggest that investors can query the yield ranking of monetary funds through relevant websites, and try to choose the high-yield monetary funds whose annual yield has always been in the forefront Finally, we should adhere to the principle of "short, not long". Chongqing financial experts said that the monetary fund is a short-term investment and financial management tool, which is more suitable for managing current funds, short-term funds or temporary funds whose purpose is difficult to determine at the moment; For more than one year of medium and long-term funds, investors should choose bonds, stock funds and other financial procts with higher income3. Unknown_Error
4. Take your ID card and the bank card of China Construction Bank to the bank counter of local China Construction Bank to open a fund account for free. If you have 1000 yuan in your bank card, you can invest and buy a monetary fund
monetary fund can accumulate investment after 1000 yuan
you can redeem as many fund shares as you need at any time
redemption comes to the account every other day, so it needs to be redeemed 2 days in advance.
monetary fund can accumulate investment after 1000 yuan
you can redeem as many fund shares as you need at any time
redemption comes to the account every other day, so it needs to be redeemed 2 days in advance.
5. Monetary fund can be said to be a relatively stable investment mode without risk, but its return rate is generally low.
monetary fund is an open-end fund that gathers idle funds, operates by fund managers, and keeps funds by fund custodians. It is specialized in investing in money market instruments with low risk. It is different from other types of open-end funds, with high security, high liquidity, high liquidity, and low risk Stable income, with the characteristics of "quasi savings"
e to the emergence of digital currency, a new type of Monetary Fund, virtual monetary fund, has emerged in the field of Monetary Fund. It is also called digital money fund. For example: BlackRock digital money fund.
monetary fund is an open-end fund that gathers idle funds, operates by fund managers, and keeps funds by fund custodians. It is specialized in investing in money market instruments with low risk. It is different from other types of open-end funds, with high security, high liquidity, high liquidity, and low risk Stable income, with the characteristics of "quasi savings"
e to the emergence of digital currency, a new type of Monetary Fund, virtual monetary fund, has emerged in the field of Monetary Fund. It is also called digital money fund. For example: BlackRock digital money fund.
6. The risk of monetary fund is the smallest, but the income is also the lowest. It is only higher than half a year's Bank term, but not as high as one year's Bank term. The annual income is about 1.8-2%. It is suitable for investors who often need liquidity or buy bond funds. Dongfang is stable, and Huafu's income is more than 5% this year, which is suitable for investors who pursue stable income.
7. Not only CCB has the money fund sales agency, but also many places have it.
we do the year-end sales promotion here. If you like, come and make sure you are satisfied
we do the year-end sales promotion here. If you like, come and make sure you are satisfied
8. To redeem the fund, you can redeem the fund through the online banking of CCB, or cancel the fixed investment business at the counter of CCB. Monetary fund can return to your account in 2-3 working days.
9. Yes, it can be bought, as long as it is the fund agent of China Construction Bank. At present, CCB has few agency funds:
Huabao Xingye cash fund
Oriental select hybrid fund
Huaxia dividend hybrid fund
Yinhua core value stock fund
Huafu competitive fund
dongfanglong hybrid fund
Yinhua money market fund
Boshi theme instry fund
Boshi stable value fund
Shangtou Morgan China Advantage Fund
Shangtou Morgan money market fund
Yinhua Dow Jones 88 fund
Huaxia market select fund
Boshi select stock fund
Cathay Pacific Kingma stable return fund
Huaxia cash profit increasing fund
Yinhua Principal Guaranteed value-added fund Gold
Huabao Multi Strategy Fund
Great Wall JiuHeng fund
Great Wall Jiutai fund
RONGTONG Tongli fund
Huaxia Return Fund
Boshi Yufu fund
Baokang series fund
Huaxia Growth Fund
Boshi value growth fund
RONGTONG New Blue Chip Fund
Huaxia bond fund
CCB permanent value equity securities investment fund
Boshi cash income fund
net value announcement of acting open-end fund
Huabao Xingye cash fund
Oriental select hybrid fund
Huaxia dividend hybrid fund
Yinhua core value stock fund
Huafu competitive fund
dongfanglong hybrid fund
Yinhua money market fund
Boshi theme instry fund
Boshi stable value fund
Shangtou Morgan China Advantage Fund
Shangtou Morgan money market fund
Yinhua Dow Jones 88 fund
Huaxia market select fund
Boshi select stock fund
Cathay Pacific Kingma stable return fund
Huaxia cash profit increasing fund
Yinhua Principal Guaranteed value-added fund Gold
Huabao Multi Strategy Fund
Great Wall JiuHeng fund
Great Wall Jiutai fund
RONGTONG Tongli fund
Huaxia Return Fund
Boshi Yufu fund
Baokang series fund
Huaxia Growth Fund
Boshi value growth fund
RONGTONG New Blue Chip Fund
Huaxia bond fund
CCB permanent value equity securities investment fund
Boshi cash income fund
net value announcement of acting open-end fund
10. Monetary fund investment skills:
one of the skills: try to choose "t + 0" fund
the redemption time of monetary funds is either long or short, most of which are t + 1 or T + 2 working days. However, some fund companies join hands with banks to implement the "t + 0" fast redemption business for some of their own monetary funds. As long as investors submit the redemption requirements of monetary funds, the funds will arrive immediately. In this way, for investors, especially those who are good at investing and have high requirements for capital liquidity, they must know how to choose monetary funds
skill 2: choose funds that are easy to convert
many fund companies will not only launch monetary funds, but also stock and bond funds. In order to better "hold" customers and avoid the loss of customers to the greatest extent, they often give a substantial discount to the conversion rates of their own monetary funds and other funds, especially in the conversion process. When most investors invest in funds, in order to obtain the maximum return, they generally invest in stock type and index type funds with higher risk when the stock market is good, while they invest in currency type funds with higher security when the stock market is bad. Therefore, when investors choose funds, they should choose the funds of fund companies with multiple types of funds. When they need to switch, they will not only rece the switching cost, but also switch quickly
skill 3: choose a fund of moderate size
for fund companies, they need to ensure that fund holders can redeem their own monetary funds at any time. Therefore, they all need to hold a certain proportion of cash. Generally speaking, fund companies have relatively weak ability to resist the negative impact of redemption for their smaller monetary funds, so the proportion of cash holdings is often higher than that of larger monetary funds. Therefore, the corresponding smaller monetary funds will have relatively less funds for investment, Of course, their returns will certainly be affected. The large-scale monetary fund is easy to cheat customers because of its capital advantages. Therefore, it is suggested that investors should take a compromise approach to choose monetary funds, and the one with moderate asset size is undoubtedly the best choice
skill 4: it's better to choose the fund that has finished the position
for monetary funds, the subscription fee and subscription fee are zero. And other types of fund rates are completely different, not only in the raising period subscription fees, subscription fees are higher. Therefore, in this way, the new issue of Monetary Fund for the old Monetary Fund has no advantage in terms of fees. On the contrary, the newly issued funds will go through a relatively long position building period after the issuance period, and the yield will be very low in a short period of time. While the old monetary funds generally have completed their positions, so they will hold more investment varieties, and their income will be much more than that of the new funds in the same period of time. Therefore, when investors choose to invest in money funds, they should try their best to choose the old money funds that have been established for a period of time and have completed their positions, because they have more advantages in terms of income than the new money funds
tip 5: consider providing additional service funds
some fund companies, in order to better meet the financial needs of customers, will focus on the characteristics of the company's monetary funds and launch some functional and practical value-added services. For example, a fund company has launched the fund automatic redemption business, and investors can repay the house loan and car loan on a monthly basis as long as they choose the regular fixed redemption function on their direct selling platform. Another example is the "money bag" service launched by another fund company, which can automatically convert its monetary funds into stock or bond funds on a regular basis. That is to say, monetary funds can be used for fixed investment of stock funds and bond funds. If investors don't want to make themselves think about repayment and fixed investment all day long, and at the same time, they don't want to let their funds "lie" on the current account in advance and enjoy the interest rate of current savings deposit, when choosing to invest in monetary funds, they might as well consider the monetary funds of these fund companies and open the value-added services provided by these companies in real time. In this way, it will make their monetary fund financing way to get more "benefits"
monetary fund is an open-end fund. According to the types of financial procts invested by the open-end fund, people divide the open-end fund into four basic types: Equity Fund, hybrid fund, bond fund and Monetary Fund. The first two types belong to the capital market, and the latter is the money market. Monetary funds mainly invest in bonds, central bank bills, repurchase and other short-term financial procts with high security, also known as "quasi savings procts". Its main characteristics are "worry free principal, convenient demand, regular income, daily income, monthly dividend".
one of the skills: try to choose "t + 0" fund
the redemption time of monetary funds is either long or short, most of which are t + 1 or T + 2 working days. However, some fund companies join hands with banks to implement the "t + 0" fast redemption business for some of their own monetary funds. As long as investors submit the redemption requirements of monetary funds, the funds will arrive immediately. In this way, for investors, especially those who are good at investing and have high requirements for capital liquidity, they must know how to choose monetary funds
skill 2: choose funds that are easy to convert
many fund companies will not only launch monetary funds, but also stock and bond funds. In order to better "hold" customers and avoid the loss of customers to the greatest extent, they often give a substantial discount to the conversion rates of their own monetary funds and other funds, especially in the conversion process. When most investors invest in funds, in order to obtain the maximum return, they generally invest in stock type and index type funds with higher risk when the stock market is good, while they invest in currency type funds with higher security when the stock market is bad. Therefore, when investors choose funds, they should choose the funds of fund companies with multiple types of funds. When they need to switch, they will not only rece the switching cost, but also switch quickly
skill 3: choose a fund of moderate size
for fund companies, they need to ensure that fund holders can redeem their own monetary funds at any time. Therefore, they all need to hold a certain proportion of cash. Generally speaking, fund companies have relatively weak ability to resist the negative impact of redemption for their smaller monetary funds, so the proportion of cash holdings is often higher than that of larger monetary funds. Therefore, the corresponding smaller monetary funds will have relatively less funds for investment, Of course, their returns will certainly be affected. The large-scale monetary fund is easy to cheat customers because of its capital advantages. Therefore, it is suggested that investors should take a compromise approach to choose monetary funds, and the one with moderate asset size is undoubtedly the best choice
skill 4: it's better to choose the fund that has finished the position
for monetary funds, the subscription fee and subscription fee are zero. And other types of fund rates are completely different, not only in the raising period subscription fees, subscription fees are higher. Therefore, in this way, the new issue of Monetary Fund for the old Monetary Fund has no advantage in terms of fees. On the contrary, the newly issued funds will go through a relatively long position building period after the issuance period, and the yield will be very low in a short period of time. While the old monetary funds generally have completed their positions, so they will hold more investment varieties, and their income will be much more than that of the new funds in the same period of time. Therefore, when investors choose to invest in money funds, they should try their best to choose the old money funds that have been established for a period of time and have completed their positions, because they have more advantages in terms of income than the new money funds
tip 5: consider providing additional service funds
some fund companies, in order to better meet the financial needs of customers, will focus on the characteristics of the company's monetary funds and launch some functional and practical value-added services. For example, a fund company has launched the fund automatic redemption business, and investors can repay the house loan and car loan on a monthly basis as long as they choose the regular fixed redemption function on their direct selling platform. Another example is the "money bag" service launched by another fund company, which can automatically convert its monetary funds into stock or bond funds on a regular basis. That is to say, monetary funds can be used for fixed investment of stock funds and bond funds. If investors don't want to make themselves think about repayment and fixed investment all day long, and at the same time, they don't want to let their funds "lie" on the current account in advance and enjoy the interest rate of current savings deposit, when choosing to invest in monetary funds, they might as well consider the monetary funds of these fund companies and open the value-added services provided by these companies in real time. In this way, it will make their monetary fund financing way to get more "benefits"
monetary fund is an open-end fund. According to the types of financial procts invested by the open-end fund, people divide the open-end fund into four basic types: Equity Fund, hybrid fund, bond fund and Monetary Fund. The first two types belong to the capital market, and the latter is the money market. Monetary funds mainly invest in bonds, central bank bills, repurchase and other short-term financial procts with high security, also known as "quasi savings procts". Its main characteristics are "worry free principal, convenient demand, regular income, daily income, monthly dividend".
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