Spring festival goods based financial heat unabated, lower income into small investment darling – fund channel during the Spring Festival holiday, including monetary fund, bank short-term existence of short-term financial products attracted much attention. However, the data show that during the Spring Festival this year, the overall income of the IMF is significantly lower than in previous years. During the Spring Festival holiday, the short-term financial products, including monetary fund and bank, have attracted much attention. However, the data show that during the Spring Festival this year, the overall income of the IMF is significantly lower than in previous years. During the Spring Festival yields lower data show that last year on -24 February 18th during the Spring Festival, the IMF Annual average yield of 7, reached 3.32%, while -13 February 7th this year, during the Spring Festival, the statistics included 52 monetary fund annual average yield of 7, only 2.59%, compared with last year during the Spring Festival of 7, the annual rate of return the sharp decline of 0.73 percentage points, while the 2014 earnings rate is as high as 5.58%. Specifically, during the Spring Festival this year, higher income, GF red day China Jinzeng Li (003003, fund), BoC Monetary Institutions cash currency, Jin Jin Teng money A, GF pocketbook monetary fund as compared to last year during the Spring Festival, annual average yield of 7, were also reduced by 0.16%, 0.52%, 0.06%, 0.62% and 0.81%. It is worth mentioning that, in the baby like monetary fund, the balance treasure docking Celestica balance treasure monetary fund, the average annual yield of 7 days during the Spring Festival this year is 2.64%, far less than last year’s Spring Festival, 3.45% of the 7 day annualized rate of return. Tencent CAITONG platform sold China wealth treasure cargo base, the fund huitianfu full treasure, efund easy money during the Spring Festival yield 7 year average values were 2.95%, 3.18%, 3.75%, also less than last year during the Spring Festival in 3.77%, 3.88% and 3.86% of the annual average yield of 7. The reporter saw in the 87 Department of finance, the monetary fund rankings, the annual rate of return of seven dragon yifangda currency B treasure up to 6.097%, followed by yifangda dragon treasure money A, Changsheng currency (080011, fund), huitianfu money currency, the average income of more than 4%. At the same time, the data show that in February 15th there are 4 new funds starting, including the South Asian dollar debt, investment Ande guarantee, the charm of the Yangtze River Delta and Anxin security fund. In addition, according to statistics, cross spring issue fund reached 32, if you count on the 15 day of the 4 OTC fund, which means that in the sale of the product reached 36. In February 18th this week, the fund issued a "good day", there were 5 new funds on the market, to remove the 2 new funds that have been issued at the end of the year, and in February 18th the sale of new funds reached 39, is extremely dense state. Insiders said that with the new fund approval system reform, the new fund intensive issue status will continue, but the overall raise scale may be difficult to exceed the level in 2015. In addition, if the underlying market further falls, the fund sales will face greater.

春节货基理财热度不减 收益走低成零钱投资宠儿-基金频道  春节长假期间,包括货币基金、银行短期定存在内的短期理财产品备受关注。不过,数据显示,今年春节期间货币基金的整体收益却较往年整体大幅走低。  春节长假期间,包括货币基金、银行短期定存在内的短期理财产品备受关注。不过,数据显示,今年春节期间货币基金的整体收益却较往年整体大幅走低。  春节期间收益率降低  数据显示,去年2月18日-24日春节期间,货币基金7日年化收益率均值达到3.32%,而今年2月7日-13日春节期间,纳入统计的52只货币基金7日年化收益率均值仅有2.59%,较去年春节期间7日年化收益率均值大幅下滑0.73个百分点,而2014年的收益率更高达5.58%。  具体来看,今年春节期间收益较高的广发天天红、华夏现金增利(003003,基金吧)货币、中银机构现金货币、国金金腾通货币A、广发钱袋子货币基金等相较去年春节期间7日年化收益率均值也分别减少了0.16%、0.52%、0.06%、0.62%和0.81%。  值得一提的是,在宝宝类货币基金中余额宝对接的天弘余额宝货币基金,今年春节期间7日年化收益率均值为2.64%,也远不及去年春节期间3.45%的7日年化收益率。而腾讯理财通平台所售的华夏财富宝货基、汇添富基金全额宝、易方达基金易理财等春节期间7日年化收益率平均值分别为2.95%、3.18%、3.75%,同样不及去年春节期间3.77%、3.88%和3.86%的7日年化收益率均值。  记者在87金融汇看到,在货币基金排行榜上,七日年化收益率易方达龙宝货币B最高达6.097%,其次为易方达龙宝货币A、长盛货币(080011,基金吧)、汇添富块钱货币,平均收益超过4%。  与此同时,数据显示,2月15日就有4只新基金首发,包括南方亚洲美元债、招商安德保本、中海魅力长三角和安信安盈保本基金。  此外,据统计,跨春节发行的基金达到32只,若算上15日上柜的这4只基金,这意味着目前在售的产品达到36只。本周的2月18日是基金发行的“好日子”,当天有5只新基金面市,除去届时已经结束发行的2只新基金,2月18日同时发售的新基金达到39只,属于极为密集状态。  业内人士表示,伴随着新基金审批制度改革,新基金密集发行状态还将持续,但整体募集规模可能很难超过2015年的水平。另外,若基础市场进一步下跌,基金销售则将面临更大的考验。  基金理财仍是零钱“宠儿”  此外,很多投资者对基金种类、收益情况及运作方式知之甚少,往往是人云亦云。为此,有银行人士介绍,拥有一定金额的短期闲置资金,并希望稳定增值的中老年人适合购买货币型基金,因为它的风险是最低的,适合作为投资者替代活期储蓄和1年定期存款的现金管理工具。如果是对资金流动性要求不高,预期收益在5%~10%的投资者可以选择债券型基金。如果是保守型投资者,愿意用适度的风险换取合理的、确定的投资收益,可选择混合型基金,它的预期收益高于债券型低于股票型。股票型基金适合激进型和进取型的投资者,明白高风险高回报的投资定律。“买基金一定要视个人风险承受能力而定,不要盲目为了追求高收益而购买风险较高的混合型和股票型基金。”上述人士建议。  新年以来,A股的表现让人唏嘘不已,部分基民损失不少。银行工作人员告诉记者,询问基金定投的人不少。某国有银行的一位理财经理表示,以前每天也就接待五六位定投客户,最近每天能接待十几位咨询客户,其中不少是年轻上班族,主要为了强制储蓄,也有一些是老基民赎回后转定投的。“投资基金风险低于股票,收益高于银行储蓄、理财,应该算是市民理财的首选。但投资者要认清,基金不是一种投机,它的本质是借助时间的长期复利而积累收益,也就是说长期持有才是分散风险的合理方法。因此,投资人应该有放长线的准备,用家中闲置资金投资。 ”上述理财经理提醒。相关的主题文章: