There are many kinds of assets. What kind of assets should ordinary investors buy? In fact, for our ordinary investors, funds are a good variety. They cover many types and are very convenient for investment. They are the main investment force for most of us. So what is the fund? The fund is an investment tool. We give the money to the fund company. The fund company uses the money to invest in various assets. If the fund makes money, we also make money. If the fund loses money, we also need to bear the loss.
Why is the fund the most suitable for us? This is because there are three advantages to fund selection.
The first advantage is that each fund has a special fund manager to help us manage it, which can help us invest in some unfamiliar varieties.
The second advantage is that investment funds can easily diversify risks. We all know that we should not put eggs in the same basket. Theoretically, holding a variety of different assets can effectively diversify risks. But this requires us to manually invest in dozens or even dozens of different varieties. It is difficult for ordinary investors, and funds generally invest in dozens of different varieties, greatly reducing the risk of only investing in a single variety.
The third advantage is that investment funds do not need to be operated frequently, which is easier to do. Most investors want to realize asset appreciation through investment, but we generally have our own work, and we can't devote a lot of time and energy to full-time investment like professional investors. However, no matter what kind of fund, there is a fund manager responsible for maintaining the fund. We just need to select the right type of fund. The fund manager will help us to complete the rest of the work, which is more convenient and labor-saving.
Therefore, choosing funds to invest is most suitable for our ordinary investors. So we have the first conclusion that the fund is the asset we want, which is the goose that will lay golden eggs. But there are as many as four or five thousand domestic funds. What kind of returns are good for so many funds? Or which one has the most golden eggs? In fact, although there are many types of funds, there are mainly three types in terms of their investment direction.
The first is money funds, which are funds that invest in safe and liquid money market instruments. The term "money market instruments" is rather tongue twister. Generally speaking, money market instruments mainly include short-term treasury bonds with a maturity of less than one year, government bonds, negotiable certificates of deposit, commercial promissory notes, etc. These money market instruments are open to investors with large amounts of capital, and we ordinary investors generally have no access to these instruments, But most of these tools have the characteristics of high security and high liquidity. It is very suitable for short-term fund management. So the fund company has developed the investment tool of monetary fund, which gathers the small money of everyone into a large fund, so that they can participate in the investment of money market instruments. This is the origin of monetary funds. Money funds have been born for a long time. The first money fund came into being in 2003, but it has not become popular for a long time. The reason is that the market has not found a suitable position for money funds. Although some investors know that monetary funds are a very safe and liquid variety, the process of investing in monetary funds was cumbersome in the past. Like bond funds and stock funds, they also need to open accounts and go to the counter. In the past, the Internet was not as developed as it is now, so you still need to go to the bank counter to invest in monetary funds. It's very inconvenient to run back and forth hard to take care of some change. So money funds have not been popularized very well until the year of 2013, when Yu'e Bao began to rise, it changed the variety of money funds. Yu'e Bao is a monetary fund product jointly launched by Alibaba and Tianhong Fund Company. The investment of this monetary fund is no different from that of previous monetary funds. But Alibaba has made several innovative changes. The first change is that the threshold has been greatly lowered. In the past, the application amount for monetary funds also generally started at 1000 yuan. Then Yu'e Bao put this threshold. When it is reduced to one yuan, you can apply for Yu'e Bao for more than one yuan, which truly achieves the concept of small change financing. The second change is that it is more convenient to purchase money funds. In the past, people who wanted to purchase money funds had to go to the bank counter to fill out a form, and then the required process was very complicated. Then from opening an account to purchasing from Yu'e Bao, it can be completely completed on a computer or mobile phone, which is relatively simple and fast. The third change is that the redemption is relatively fast. The positioning of Yu'e Bao is small change financing. For example, if we want to use a sum of money, we need to redeem it quickly so that we can use it without delay. Based on this positioning, Yu'e Bao has specially increased the speed of redemption and realization. Generally speaking, Yu'e Bao can be credited within two hours when it is redeemed. Previously, it had to wait a day to redeem the monetary fund, which is still the original monetary fund. But because Yu'e Bao has made innovations in these three aspects, it has opened a new door for the popularization of monetary funds. Yu'e Baorang has never contacted Li before
Before investing in a monetary fund, we need to know what the income of the monetary fund should be. When we open a monetary fund page, we often see two very important yield indicators. One indicator is the 7-day annualized yield, which calculates the return of the monetary fund in the last seven days. Then convert this income into one year, and then derive the annualized rate of return. This 7-day annualized rate of return does not mean that we will be able to achieve such a return in the next year. It only means that we can calculate how much we can get in the next year based on the returns of the past seven days.
Another yield indicator of monetary funds is that for every 10000 fund units, the unit net value of monetary funds is one dollar. For example, if we hold 10000 monetary funds, the corresponding net fund
