Xiaoqiantong is a wechat version of yu'ebao, which is connected with a number of monetary funds. Its income is higher than yu'ebao. So, which monetary fund is the best choice for zero money? The following editor will help you analyze it, please see below.
What's the best way to connect money funds with zero money?
Open the change link page, click "..." in the upper right corner, open "fund details", and you can see which monetary fund is currently purchased by change link, as well as the annualized income and 10000 income of the fund in the last seven days.
On the fund details page, you can also select 'Change Fund'. At present, zero money connect has connected five monetary funds, such as e-fund, e-fund of Southern cash connect, harvest cash Tianli, ICBC Tianyi express money and huitianfu quanquanquanbao. Their seven-day annualisation is almost the same. Let's compare them from various aspects.
1、 Seven day annualization
Jiashi cash Tianli 2.95%, ICBC Tianyi express currency 2.88%, e-fund 2.87%, Nanfang cash class E 2.82%, huitianfu quanquanquanbao 2.66%. According to the data, recently, harvest cash has the highest return.
2、 Increase in the past year
Jiashi cash Tianli 3.75%, ICBC Tianyi express currency 3.69%, e-fund 3.73%, Nanfang cash class E 3.71%, huitianfu quanquanquanbao 3.72%. From the perspective of long-term earnings, it's better to use cash margin fund of harvest.
3、 Fund size
A good monetary fund should not be too large or too small. Tens of billions is the best. From the perspective of fund scale, the scale of these five monetary funds is more than 50 billion yuan, the highest is e-fund 169.452 billion yuan, and the scale of Jiashi cash margin with good performance is about 60.8 billion yuan.
4、 Proportion held by institutions
For the monetary fund, the lower the institutional holding ratio is, the better, so the risk of huge redemption is smaller. The institutional holding ratio of harvest cash margin is 0.21%, with the majority of individual investors.
On the whole, it's more cost-effective for zero coin to choose harvest cash to add profits. Compared with other funds, this fund is better in all aspects. Warm reminder: financial management is risky and investment should be cautious.