Monetary Fund and virtual currency

1. virtual currency does not belong to the fund. It is a kind of investment at the same level and has a parallel relationship
real estate, stocks, funds and virtual currency are all investment procts.

2. Scam. Now there are many similar software apps on the Internet, such as novel collection fragment wins mobile phone, walking collection fragment wins mobile phone, etc. In fact, the first nine pieces don't take much effort, but the last one will. Take your time. I don't know when it will come true.

3.

1. For different groups of people

class A Monetary Fund: for small investors, that is, retail investors. Generally, there is no quantity limit, and a class a monetary fund with less than 10 million reserved shares

class B Monetary Fund: for the large amount of subscription, the fund shares prepared for institutions are generally required to be more than 10 million

2. Different threshold of purchase

the threshold of purchase of class a monetary funds is relatively low, usually from 1000 yuan, while the threshold of purchase of a few monetary funds, such as central European currency and ICBC currency, is reced to 100 yuan

the threshold of class B monetary fund is higher, usually 5 million yuan

3. The minimum reserved shares in sales institutions are different.

the minimum reserved shares of class a monetary funds in sales institutions are 1000

the minimum reserved shares of class B monetary funds in sales agencies are 5 million (or 10 million)

4. Different sales and service fees

the sales and service fee charged by class a monetary fund is 0.25%

the sales service fee charged by category B monetary funds is only 0.1%

< H2 > data expansion

monetary fund is a kind of open-end fund which gathers idle social funds, operates by fund managers and keeps funds by fund trustees. It is specialized in investing in low-risk money market tools. Different from other types of open-end funds, it has the characteristics of high security, high liquidity, stable returns and "quasi savings"

e to the emergence of digital currency, a new type of monetary fund appears in the field of Monetary Fund virtual Monetary Fund

4. The differences between Monetary Fund and financial procts can be compared and analyzed from the aspects of profitability, liquidity, risk, starting point, fund financial advantages, etc< The first difference is that the threshold of subscription is about 1000 yuan. Supplemented by some specific investment plans, if investors participate in the fixed investment plan of China Southern fund company, the threshold for subscription is only 200 yuan< Br > < br > the threshold of RMB financial planning is higher. The investment amount of several banks starts from 10000 yuan to 50000 yuan. Most banks have other requirements and restrictions on buyers, such as tying a certain proportion of fixed deposits< The second difference is: liquidity < br > < br > one of the great advantages of money market funds, known as "current savings", is liquidity. Customers can apply for and redeem at any time, which is very convenient. From the second working day after buying the fund, it can be redeemed< Br > < br > RMB financial procts are more like substitutes for "time savings". The RMB financial procts of banks belong to closed management, and the rate of return is linked with the number of years. Investors can not redeem them at any time, and their liquidity is also limited< Br > < br > the third difference is that the management institution of money market fund is fund company, while the management institution of RMB financial procts is bank< The fourth difference is: return rate < br > < br > money market funds and RMB financial procts are relatively safe financial procts, which can be used as a substitute for savings. Compared with RMB financial procts, money market funds have the characteristics of monthly compound interest, interest rate increase, rolling investment, income tax exemption and so on, so it is possible to obtain higher income. Recently, the 7-day annualized yields of several money market funds are all above 3%, among which Yinhua Fund, the best, has set a record of 8%< Br > < br > the yield of RMB financial procts is relatively low, and the yield is closely related to the investment period< Br > < br > the fifth difference: risk < br > < br > RMB financial procts, which belong to fixed-term financial management, have certain risks. Because investors can not withdraw money midway, the yield may be lower than the future savings rate; Money market funds with flexible investment can better cope with this trend, because their yields will rise with the increase of the yields of the invested procts< The sixth difference is: service charge < br > < br > money market funds can be purchased and redeemed at any time without any service charge; However, if investors terminate RMB financial procts in advance, they will have to pay a certain termination fee< Br > < br > from investment and financial management to golden axe, golden axe is a leading Internet wealth management organization in China. It can provide customers with one-stop family financial analysis, investment strategy, and cross cycle, full category and diversified fund allocation scheme. Its services cover convenient proct search, fund redemption, net value inquiry, wealth bookkeeping, configuration planning, and other services on mobile terminal, PC terminal and wechat terminal Investment consultation and so on, and ultimately help families maintain, increase and inherit their wealth< br>

5. Money market fund
money market fund is short for money fund
1. Investment scope of Monetary Fund: as the name suggests, money market fund is a fund whose investment object is money market instruments. According to the Interim Provisions on the management of money market funds, the investment scope of China's money funds includes: fixed deposits and certificates of deposit within one year (including one year); Bonds with a resial maturity of 397 days or less; Bond repurchase within one year (including one year); Central bank bills with a maturity of less than one year (including one year); and; Other money market instruments with good liquidity approved by the CSRC and the people's Bank of China< The main difference between money market funds and other funds that invest in stocks is that the net asset value of the fund unit is fixed at 1 yuan. The implementation of dividend reinvestment makes the income accumulate continuously and increases the fund share owned by investors. 2. Good liquidity and high safety. Investors can redeem the fund at any time according to their needs. 3. The risk is low. The maturity of money market instruments is usually very short, and the average maturity of the portfolio is generally 4-6 months, so the risk is low, and its yield is usually only affected by the market interest rate. 4. The investment cost is low. Money market funds do not charge subscription and redemption fees, and their management fees are low. 5、 Money market fund is usually regarded as a risk-free investment tool, which is suitable for short-term investment of funds to generate interest, so as to hold cash in the form of money market fund in case of emergency
for the working class who are busy with their career, if they spend a certain amount of idle funds every month to buy money market funds, the long-term accumulated compound interest return will be considerable. At the same time, unlike stocks and bonds, which occupy funds, they can be converted into cash at any time, with only one or two days of turnover time, which is very convenient. Therefore, monetary fund, also known as "quasi savings proct", has the advantages of capital preservation, regular income, monthly dividend and so on
risks and returns of money market funds: theoretically speaking, money market funds also have certain risks. There was a time when the return of 10000 fund units of indivial funds was negative on a particular day, but there was never a time when the 7-day annualized return of any money market fund was negative on a particular day. It can be very clear that, Money market fund has no risk of principal loss. It's just a matter of yield
there are two indicators reflecting the yield of money market funds: one is the 7-day annualized yield; the other is the 7-day annualized yield; The second is the income per 10000 fund units. As a short-term indicator, the 7-day annualized rate of return is the data of the average return of the first 7 days including the same day converted into the alt rate of return. It is the most intuitive indicator to reflect the performance of the fund and is easy to compare with the savings income. But that's just the profitability of the fund in the past seven days, and it doesn't mean the level of future earnings. When we examine this index, we can't ignore the attention to the return volatility. Generally speaking, if the index fluctuates greatly, there may be a big difference between the actual return rate of investors and the return rate at the time of purchase. The income per 10000 fund units refers to the data that the income from the daily operation of the monetary fund is evenly distributed to each share, and then measured and compared with 10000 shares. The higher the index is, the higher the real return of investors will be
according to the previous law, the income of monetary fund is often closely related to the capital situation in the same period. If the short-term capital situation is very tense, the short-term income of Monetary Fund will increase suddenly. From the monetary fund market situation in 2011 and 2012, the 7-day annualized yield of multiple procts is more than 1-year fixed deposit rate, and more than half year fixed deposit rate
Fourth, the comparison between one-year fixed deposit of banks and money market funds 1) The yield of money market funds is equivalent to the fixed deposit rate of banks from six months to one year, and may even exceed the fixed deposit rate of one year 2) The liquidity of time deposit is insufficient. Once the deposit is not e and needs money, the interest can only be calculated according to the demand deposit. Money market funds have high liquidity and can be redeemed at any time. Generally, they can arrive on the next day after redemption at the latest. (3) money market funds compound interest on a daily basis. For example, if you have 10000 monetary funds, the net income of every 10000 funds today is 0.8000 yuan, that is, your income today is 0.8000 yuan, and tomorrow's income will be calculated based on the principal of 10000.80 yuan 4) The income of monetary fund is generally calculated and drawn by day and carried forward by month, that is, "income per diary, dividend per month". The specific carry forward date varies from fund company to fund company. When redeemed, the proceeds that have not been carried forward will be redeemed at the same time< 5. The comparison between RMB financial procts and monetary funds 1) The scope of investment is roughly the same 2) Generally, the purchase starting point of RMB financial management plan is more than 50000 yuan; The starting point of subscription of monetary fund is 1000 yuan, which is more suitable for ordinary investors 3) All closed-end RMB financial procts have a lock-in requirement for a period of time, and can not be cashed in advance according to the agreement, while the money market fund can apply for purchase and redeem at any time without any handling charge 4) In terms of flexibility, there is no other procts for mutual conversion of RMB financing, and there is no conversion space even for the same proct with different terms. Monetary funds can be converted with other types of fund procts of the same fund company, so that investors can not only invest in the money market, but also capture other investment opportunities in the capital market in a timely and convenient manner 5) RMB financial procts. When purchasing, it indicates the "expected annualized rate of return". The actual rate of return may not be reached, and there may even be the risk of principal loss. Therefore, it is better than RMB financial procts in terms of security, liquidity, flexibility and starting point.

6. See what the fund portfolio includes, bond fund, stock fund, index fund, convertible bond fund, or overseas fund, one or more of them
however, one thing can be confirmed is that the return rate of the above portfolio is generally higher than that of the monetary fund, but the risk will be slightly greater.

7.

There is no need to pay

application proceres

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3. After the materials are complete, go to the local instrial and commercial branch for license

exhibition materials

to apply for business registration of indivial businesses, the following documents shall be submitted:

(1) application form for business registration of indivial businesses signed by the applicant

(2) identification of the applicant

(3) certificate of business place

(4) other documents required by the State Administration for Instry and commerce

indivial businesses should establish correct accounting books and conct accurate accounting in accordance with the provisions of the tax authorities. For indivial businesses with sound reconciliation certificate and accurate accounting, the tax department will carry out audit collection; For the indivial businesses with small scale of proction and operation and no ability to set up accounts, the tax department will collect them on a regular basis; For indivial instrial and commercial households with certain circumstances, the tax department has the right to verify the amount of tax payable and implement the verification collection