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通胀的存在,使得资产的收益率分外重要,持有活期存款更像每天都在亏钱。在理财工具发达的今天,是时候升级活期存款了。目前的货币基金、短期理财基金完全有能力作为活期存款的替代品,其收益率年化3-4%,而活期只有0.35%,流动性又相差无几,优势不言而喻。回到本质,我们拥有活期存款的目的无非是两个,一个是流动性,一个是安全性。至于前者,不少货币基金都可做到T+0,至于后者,货币型基金理论上是存在风险,但在目前情形下,风险很小,除了极端保守者,几乎可以忽略此种风险。刚好,在刚刚过去的一个月,市场给
The existence of inflation, making the return on assets exceptionally important, holding more current deposits more like losing money every day. With the wealth management tools developed today, it is time to upgrade current deposits. The current monetary funds and short-term financial management funds are fully capable of using demand deposits as a substitute for their annualized yield of 3-4%, while the current term is only 0.35%, with similar or similar liquidity. The advantages are self-evident. Back to the essence, we have the purpose of demand deposits is nothing more than two, one is liquidity, one is safety. As for the former, many monetary funds can achieve T + 0, while in the latter, the monetary funds are theoretically risky. However, in the current situation, the risk is very small and such risks can be almost ignored except for extreme conservatives. Just right, in the past month, the market gave