City wall bulletin
National economy spirit implement the yield of monetary fund fell again.
"The page that can open remaining sum treasure everyday glances, discover profit is smaller and smaller. " Mr Chen of Hangzhou is used to beside 10 thousand piece " pin money " in treasure of existence remaining sum, etc " assemble " sufficient achieve lowest 50 thousand yuan to buy quota, cast again go in product of bank conduct financial transactions.
But begin from July, mr Chen discovers, of remaining sum treasure daily 10 thousand accrual come forward 1 yuan, dropped 0.9 yuan all the way, arrive this morning, every 10 thousand earnings already fell reach 0.7316 yuan.
Yield of remaining sum treasure drops broken 3%
With system capacity treasure of bigger day great remaining sum is exemple, on July 1 up to now, change yield 7 days years already from 3.74% reduce gradually to 3.20% . Intuitionistic in light of, if bought 100 thousand yuan, one year accrual reduces 540 yuan. In the meantime, change yield 7 days of 3.20% years to had been achieved went out since December 30, 2016 new low.
Comparative the others fund of a few moneys, the yield of frontal treasure still considers Tian Hongyu tall. Statistic of wall bulletin reporter, in the 9 moneys fund that receives on platform of remaining sum treasure at present, already 1 drop only defeated 3% : A of silver China money, on August 27, changing yield 7 days of August 28 years is respectively 2.8770% with 2.8930% .
Yield of fund of additionally a few moneys also wanders in the 3% positions that come forward. For example A of money of income of the cash when rich, changing yield 7 days of August 28 years is 3.0090% , hua An every day Xin money A, Nuo is installed every day month of treasure A 8 changes yield 7 days 29 days years is 3.0680% , be apart from the col of 3% only the Yao of one pace.
Small letter conduct financial transactions connects the near future to also go up in succession line 5 moneys fund, it is fine implementation respectively express of Yin Tianyi of money of money and valuables of the purse of Jin Tianli, Fu Guofu, action that enrol business, labour, roc China appreciation treasure. On gross, conduct financial transactions connects the monetary fund of the butt joint to already achieved 9. In light of yield, these goods radical still maintains in 3.2% above, having 8 is only in 3.6% , overall go up than remaining sum treasure want a few taller.
Come into stock base run lose current bank savings
Connect platform besides remaining sum treasure, conduct financial transactions, yield of partial money fund already dropped broken 2% , some is insufficient even 0.3% , be equivalent to comparing interest rate of active current saving 0.35% low still.
For example country peaceful twinkling benefit, turn profit 7 days of August 29 years for 0.2890% . Money of Ou Jun beneficial, Guo Jinxin is filled with a money in is 0.5850% , 0.6200% , 0.8% what all inform deposit of interest rate under 1 day. Under of 1% return cash of peaceful having a state to manage monetary A, change yield 7 days years for 0.9390% .
In fact, began June this year, monetary fund yield goes low all the way. According to be in harmony 360 monitored data, last week of Internet darling product change yield 7 days years on average only 3.38% , successive 7 weeks drop, achieve the lowermost earnings level since last year March.
Even if yield is inferior to meaning, but monetary fund gets as before of individual investor like. Comparative the data by 2017, already 7.11 trillion goods of statistic base in, individual investor hold is occupied than from 57.38% increase to 68.22% .
The manager of conduct financial transactions of a bank expresses, yield of fund of near future money glides faster, basically be to suffer be issued to lower levels of monetary market money rate to affect. Go low as interest rate of the short-term loan between near future bank, add monetary fund itself to put an amount too big, form extruding to accrual so.
Arrived the most quickly at 7 o'clock of Zhang " T+0.5 " redemptive came
On June 1, " the directive opinion about redemptive and sale of Internet of fund of market of farther normative currency, relevant service " come on stage. Transfer in what pass a month period hind, rose on July 1, each fund company is carried out strictly " directive opinion " .
Right base civilian people for, in sell channel continuously redemptive more than 10 thousand yuan money fund, some wants T+1 day ability arrives afternoon Zhang, fast also should arrive midday. Selling goods on a commission basis channel is redemptive, want T+2 day occasionally, this is giving urgent need money base civilian people brought inconvenience.
Recently, company of much home fund took the lead in optimizing monetary fund common and redemptive flow, rolled out " T+0.5 " atone for returns Zhang to serve, reach the next day ahead of schedule to Zhang time morrow before 7 o'clock.
According to statistic, already had Yi Fangda at present fund, collect buy fund of merchant of rich fund, southern fund, Fu Guoji gold, action the monetary fund of 5 fund company is common and redemptive already implemented T+1 day Zhang arrives before 9 o'clock in the morning; And fund of money of wide hair fund is common and redemptive realized T+1 day to was delimited by mandatory travel at 9 o'clock paragraph.
Among them, all money fund all supports common and redemptive T+0.5 to arrive below banner of the Yi Fangda, southern fund, fund that enrol business, wide hair fund Zhang, and collect add rich fund, Fu Guoji collect only below Jin Qi increase treasure of abundant ready money and support of Fu Guofu purse.
Those who need an attention is, sell channel to just support continuously only " T+0.5 " . That is to say, the official website that is in fund company only, App buys monetary fund, ability enjoys advantage of capital fast atone for. Through selling goods on a commission basis channel, include bank and sale channel of tripartite fund to buy, still do not support.
