500 yuan to buy digital Monetary Fund
legal representative: Jiang Jiaqian
time of establishment: February 16, 2017
registered capital: RMB 1.1 million
Instrial and commercial registration number: 310114003240381
enterprise type: limited liability company (invested or controlled by natural person)
address: room j1142, building 7, No. 328, jiajiangong Road, Jiading District, Shanghai
Wechat money is actually a money fund. The investment targets of the monetary fund mainly include short-term treasury bonds, central bank bills, bank certificates of deposit and other procts with high security. Therefore, the security of the monetary fund is very high, and the situation you are worried about will not appear
the income measurement standard of monetary fund is the seven-day annualized rate of return and 10000 shares of income
the seven day annualized rate of return is the annualized rate of return of the last seven days. The seven days of each day are different. It will fluctuate and change. It can only be used as a reference standard, and it does not mean that you will get this return every day after you buy it
ten thousand income refers to every ten thousand income, because the net value of monetary fund is always 1, so ten thousand income is the income that can be obtained by buying ten thousand yuan
because the income is floating every day, the annual income is also floating, about 3.5% - 4.5%
interest = principal * term * interest rate = 10000 * 1 * 3% = 300 yuan< The interest rate is high enough. If 3% per day, 1000 yuan is 30 yuan, 10000 yuan is 300 yuan, I'm afraid such a high interest rate will not be protected by law.
10000 deposit, 7-day annualized yield of 3.7%,
10000 one year is: 10000 * 3.7% = 370 yuan. One day interest is: 370 / 365 = 1.01 yuan
seven day annualized rate of return, which is the average income level of the Monetary Fund in the latest seven days, and the data obtained after annualized. For example, the 7-day annualized yield of a certain monetary fund is 2% on the same day, and assuming that the yield of the Monetary Fund in the next year can maintain the same level of the previous 7 days, then holding for one year can get 2% of the overall yield
extended data:
the seven day annualized yield can only be regarded as a short-term index, through which we can roughly refer to the recent profit level, but it can not fully represent the actual annual return of the fund. At present, the average annual yield of domestic monetary fund is about 3.2%, while the benchmark interest rate of one-year fixed deposit is 1.50%