货基收益“破1”时代来临！你的“零钱”还能放哪儿？

Group 1 - The "golden era" of money market funds has ended, with over 100 funds having a 7-day annualized yield below 1% [1] - The primary reasons for this decline are abundant market liquidity and continuously falling interest rates [1] - Short-term spikes in yields are often temporary, resulting from profit-taking or large redemptions, and are not sustainable [1] Group 2 - A strategic adjustment is necessary, with money market funds being redefined as a tool for managing daily cash and emergency funds rather than a primary means of wealth accumulation [3] - For short-term funds (3-6 months), investors are advised to consider interbank certificate index funds or short-term bond funds, which carry slightly higher risks but also greater potential returns [4] - A comprehensive investment portfolio should be planned for long-term idle funds to adapt to the changing financial environment [4]