IMF &Nbsp; How To Distinguish Texture

After nearly 9 years of mature operation, Monetary Fund Has gradually become one of the main ways for residents to manage their finances. However, with the constant expansion of the IMF camp, investors also need to understand "discerning eyes and discerning texture".

Financial experts pointed out that, first of all, as a liquidity management tool, the IMF "to the United States". The larger the scale, the larger the space for fund operation to move, which is more conducive to investment operation and better control of liquidity risk.

Take China's first monetary fund, Huaan cash rich (040003, fund) as an example, the fund has been a frequent visitor to the "billion army" before the scale. From the investment performance, the fund is also worth noting. Wind data statistics, since February, the cash yield of Huaan has been kept at around 5% for the past 7 years. This performance is a microcosm of the performance of the entire monetary fund this year. Since the beginning of this year, the earnings of IMF have continued to rise and the effect of making money has become more apparent. Wind data statistics, as of February 21st, the Monetary Fund (including A/B) average annual yield of 7 over 4.8%. It is worth mentioning that this level of income not only significantly exceeds 3.5% of the one-year fixed deposit rate, and significantly higher than the same period of bank financial products. With the recent fall in the central bank for the first time in the year, the short-term interest rate has come down. In this regard, the Great Wall Securities pointed out that the central bank once lowered the accuracy of the tight liquidity situation is relatively small, the high yield of the IMF is still expected to maintain in the short term.

Second, investors are advised to focus on fixing. Revenue products Experienced fund management companies.

Statistics show that the Huaan fund has 6 fixed income products (A\B merger), which is one of the leading fund companies in the domestic fixed income product management volume and scale, including 5 bond funds and 1 monetary funds. Among them, the Huaan cash rich currency (040003, fund bar) fund has been maintaining stable income since its establishment in 2003, and has been widely recognized by ordinary investors. As at the end of last year, the scale reached nearly 18 billion 400 million, becoming the leading Monetary Fund in the domestic scale.

In addition, as a cash management tool and a "capital reservoir" monetary fund, the convenience of investment transactions and conversion is also an important reference factor in choice.

Experts stressed that from the perspective of strategizing, investors should choose the monetary fund of fund companies with complete product lines at the very beginning and lay the foreshadowing for the following array. The risk attributes of different products are not the same. In the face of more complicated market, investors' allocation often has a certain degree of deviation, and the misallocation will make their funds have the possibility of "trapping" or "stepping down". But at this time, if we have the monetary fund of the same product line, it can become a natural "internal relay station". Reporters observed that the Huaan fund, which pioneered the Monetary Fund in China, has the same advantage over the product line layout. The company's fund covers the index type. Stock type There are various types of bonds, QDII funds, and large, medium and small styles. For investors, in the stock market has not yet seen a systematic opportunity, investors can temporarily reserve funds to Yu Huaan Xian Jinfu, when the market environment changes, and then convert cash surplus into other types of funds in good time.