元旦开鸿运丨2026元旦休市安排（内附假期闲钱理财攻略）

Core Viewpoint - The article emphasizes the benefits of participating in government bond reverse repos as a short-term investment strategy, particularly during the year-end period when interest rates tend to rise, providing a safe and profitable option for idle funds [3][5]. Summary by Sections Government Bond Reverse Repo Overview - Government bond reverse repos are essentially short-term loans where individuals lend their funds to earn fixed interest, with government bonds used as collateral by the borrower [3]. - The safety of government bond reverse repos is considered equivalent to that of government bonds themselves [3]. Year-End Strategy - The article highlights that interest rates for government bond reverse repos typically increase significantly at month-end, quarter-end, year-end, and before long holidays, making it an attractive time for investors to consider this investment option [3]. - Investors are encouraged to monitor yield rates and select suitable term products to maximize the value of idle funds [3]. Interest Calculation Days - The interest calculation days for government bond reverse repos are based on the actual number of calendar days from the first settlement date to the maturity settlement date [4]. Year-End Reverse Repo Guide - A detailed table outlines various reverse repo options available around the New Year, including the start date, term, maturity date, and interest calculation days for different products [5][8]. - For example, a 7-day term starting on December 24, 2025, will have an interest calculation of 11 days, with funds available for withdrawal on January 5, 2026 [5][8]. Participation Tips - The minimum participation threshold for government bond reverse repos is set at 1,000 yuan, with multiple term options available for investors to choose from based on their needs [7]. - It is advisable to consider higher-yielding products when the interest calculation days are the same across different term options [7]. - Investors can execute a 1-day reverse repo operation two days before the market closure to earn holiday interest without affecting other account operations [7].