机不可失，国庆理财硬核攻略来了！

Core Viewpoint - The upcoming long holiday during the Mid-Autumn Festival and National Day presents a unique opportunity for financial management, where proper investment strategies can yield significant returns from money market funds, interbank certificate funds, and short-term bond funds [1]. Group 1: Money Market Funds - Money market funds primarily invest in low-risk, high-liquidity assets and do not charge subscription or redemption fees, making them an attractive option for short-term investments [3]. - To benefit from the 8-day holiday returns, investors must successfully subscribe to money market funds before 3 PM on September 29; otherwise, they will miss out on the holiday earnings [3]. - Some money market funds may suspend subscriptions before long holidays to protect existing investors' returns, emphasizing the need for timely investment [3]. Group 2: Bond Funds - Although bond funds do not trade during the holiday, they continue to accrue interest, allowing investors to enjoy returns that will be reflected in the fund's net asset value on the first trading day after the holiday [8]. - Investors who miss the money market fund subscription deadline can still invest in bond funds before 3 PM on September 30 to benefit from holiday earnings [8]. - Given the current low yield in the bond market, it is advisable to prioritize short-term bond funds and interbank certificate funds to mitigate interest rate risks [8]. Group 3: Interbank Certificate Funds - Interbank certificate funds, which do not charge subscription or redemption fees, have a minimum holding period of 7 days and track interbank certificate indices [9]. - The leading interbank certificate fund has achieved a cumulative return of 8.91% from December 2021 to September 2025, outperforming the money market fund index [9][10]. - While interbank certificate funds offer higher returns than money market funds, they carry slightly higher risks [10]. Group 4: Short-term Bond Funds - Short-term bond funds invest in high-liquidity, near-term bonds and have low interest rate risk, making them a stable investment option [11]. - Some short-term bond funds have waived subscription fees, enhancing their attractiveness for investors [11]. - Historical performance shows that a specific short-term bond fund has achieved an annualized return of 3.41% since inception, ranking in the top 1% of its category [14]. Group 5: Equity Funds - Historical data indicates a strong pattern in A/H share performance around the National Day holiday, typically showing a decline before the holiday and an increase afterward, known as the holiday effect [16]. - Over the past decade, the probability of the technology media communication index rising after the holiday is 90%, with a median increase of 2.31% [18]. - Investors are encouraged to complete subscriptions for equity index funds before the holiday, as these funds generally do not suspend subscriptions [18].