If you invested 10,000 yuan in a currency fund 10 years ago, how much money would you make if you kept it?
Today we will use objective historical data to take a look at the true profitability of currency funds.
The screen shows the returns of money funds since 2013.
Taken together, it has been profitable every year for the past 10 years, and the annual rate of return is roughly equivalent to the one-year time deposit interest rate that year. Even if we move the time forward to the beginning of the China Monetary Fund, we can see that we have been making money every year since 2005, so we really don’t have to worry about losing money when buying currencies. fund.
From a structural point of view, the returns of money funds do not fluctuate much. It is relatively high when the economy is good, and relatively low when the economy is bad. In 2009, the difficult period after the financial crisis, returns were as low as 1.42%. Another low point will be in 2022, when the economic pressure caused by masks will be greater.
The highest rate of return was 4.6% in 2014. At that time, the 7-day annualized rate of return of Yu'e Bao, which we were familiar with, was even as high as over 6%. At that time, monetary funds not only had high returns, but also realized T+0 real-time cash withdrawals and 1-cent no-threshold investments with the help of Internet innovation. A large number of monetary fund account services such as Yu'e Bao, wealth management, and + have emerged. Within a few years, the size of monetary funds soared from less than 500 billion to 7-8 trillion, becoming a major event in the financial management market.
After understanding the data background, let's return to today's question: How much money can you make after investing 10,000 yuan in a currency fund in 10 years?
The calculation method is: 10000×(1+annual rate of return). Multiply that by ten years. The 10,000 yuan in the monetary fund becomes 13,594 yuan. The overall return is 35%. The average annualized return is 3.12%. Are you satisfied with this income? ?
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标签： #Fund #Investment #Currency Fund #Currency #Fund Income
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