闲钱放哪里更划算？“债”这里不焦虑

Core Viewpoint - Recent reductions in deposit interest rates have led state-owned banks to offer one-year fixed deposit rates below 1%, prompting investors to seek better alternatives for idle funds [1] Group 1: Market Context - The one-year fixed deposit rates at major state-owned banks are now between 0.95% and 0.98%, marking the entry into a "zero" interest rate era [1] - With traditional bank deposits becoming less attractive, there is a growing interest in short-term financial instruments that offer liquidity and better returns [1] Group 2: Investment Opportunities - Short-term bond funds are highlighted as a favorable option for managing idle cash, providing both liquidity and a positive return profile [1] - The Wind data indicates that the Wind Short-term Pure Bond Fund Index has achieved positive returns every year since its inception, with an annualized return of 3.44% over the past 18 years [1] Group 3: Fund Performance - The Hui'an Short-term Bond Fund has consistently delivered positive returns for five consecutive years since its inception in September 2019, with a maximum drawdown of around -1% [2] - The fund offers multiple share classes to cater to different investor needs, with low investment thresholds and flexible redemption options [2] Group 4: Specific Fund Features - The Hui'an Yongli 30-day Holding Period Short Bond Fund and Hui'an Yongfu 90-day Holding Period Short Bond Fund have maintained a maximum drawdown of approximately -0.3% since their inception [3] - The Hui'an Yongli fund requires a minimum holding period of 30 days for free redemption, making it suitable for managing funds idle for over a month, while the Hui'an Yongfu fund requires a 90-day holding period [3]