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货币市场基金变得越来越有魅力了。这不仅在于它风险极低且能带来稳定的收益,更主要的是它新开发出来的功能为投资者带来了更多实惠。2012年股市的低迷让货币市场基金持有者尝到了甜头,绝大多数货币基金的收益率超越一年期定存的收益率,其中“佼佼者”的收益率甚至可与三年期定存收益率(4.25%)媲美。一方面是可观的收益,另一方面是功能的不断创新升级,从场内货币市场基金、货币市场基金ETF的推出、“T+0”到账模式的升级再到近期的还贷、网上支付等功能,货币市场基金已成为理财市场最热门的话题之一。笔者借此机会,对其进行一一梳理,以期投资者能够对其有一个更全面的认
Money market funds have become more and more attractive. This is not only because it is extremely risky and yields a steady stream of benefits, but more importantly, its newly developed capabilities provide investors with more benefits. The downturn of the stock market in 2012 tasted the sweetness of money market fund holders, most of which have surpassed the one-year fixed rate of return, with the yield of “best of breed” even comparable to the three-year Fixed deposit yield (4.25%) comparable. On the one hand is a considerable revenue, on the other hand is the function of continuous innovation and upgrading, from the venue money market funds, the introduction of money market funds ETF, “T +0 ” arrival mode upgrade to the recent repayment, Online payment and other functions, money market funds have become one of the hottest topics in the financial markets. I take this opportunity to sort out them one by one, so that investors can have a more comprehensive recognition