货币基金

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孩子的财商教育该怎么做:4个阶段,培养孩子理财观 | 螺丝钉带你读书
银行螺丝钉· 2025-06-28 14:02
大家好,我是银行螺丝钉,欢迎来到这期的螺丝钉带你读书。 「螺丝钉带你读书」也陪伴大家度过了三百多期,为大家讲解了很多有趣、经典的书籍和故事,比如《三十几岁,财务自由》、《如何读一本 书》、《战胜拖延症》等等。 还为大家详细介绍了几位投资大师:股神巴菲特、他的好搭档查理芒格和指数基金之父约翰博格。分享了他们的人生经历、投资生涯和投资的理 念。 大家可以点击下面链接查看部分螺丝钉带你读书合集: 《 世界读书日,螺丝钉送你121本私藏经典好书 》 财商教育的4个阶段 什么是客体永久性呢? 比如说,小孩子看不到爸爸妈妈会哭闹。 因为他们觉得,看不到的东西,就不存在了。 这期螺丝钉带你读书,咱们来聊一个有意思的话题,孩子的财商教育。 螺丝钉2024年底,也添了宝宝,晋升成为奶爸。 宝宝的财商教育,跟成年人的财商教育,是截然不同的。 给成年人讲投资理财的书非常多。 不过给孩子这方面的好书不太多。 市面上常见的,是《小狗钱钱》《蓝筹孩子》《富爸爸穷爸爸》这几本。 这期螺丝钉带你读书,也不是讲解这些书里的内容。 实际上对成年人来说,这几本书里的内容是比较浅显的。 今天讲的,是不同年龄段,适合给孩子什么财商知识。 按照螺丝钉的 ...
货币基金的偏离度怎么看?
Sou Hu Cai Jing· 2025-06-24 10:39
Group 1 - The core concept of the article revolves around the importance of the deviation degree of money market funds as a risk indicator, alongside traditional yield metrics like the 7-day annualized yield [1][3] - The deviation degree is calculated using the formula: (shadow pricing net value - amortized cost net value) / amortized cost net value * 100%, indicating the difference between market value and book value of the fund's assets [2][3] - A positive deviation indicates potential unrealized gains, while a negative deviation suggests unrealized losses, which could materialize during redemptions [3][4] Group 2 - Fund managers are required to calculate the deviation degree on each valuation day, and if the absolute value exceeds certain thresholds, they must take specific actions and disclose information accordingly [3][4] - The thresholds for deviation degree are set at 0.25% and 0.5%, with corresponding actions required from fund managers to mitigate risks [4] - Investors can find deviation degree information in the fund's quarterly, semi-annual, and annual reports, specifically in the "Investment Portfolio Report" section [5][6] Group 3 - A specific fund's quarterly report indicated that the absolute value of the deviation degree was between 0.25% and 0.5% for 0 times, with a maximum deviation of 0.1600% and a minimum of 0.0228% [7] - The average absolute value of the deviation degree for each working day during the reporting period was 0.0854% [7] - Overall, the deviation degree serves as a crucial indicator for investors to gauge potential valuation volatility risks in money market funds, with short-term deviations being a normal occurrence [8]
资金涌进香港市场!港元货币基金近一月收益率跌破0.2%,还能买吗?
Sou Hu Cai Jing· 2025-06-23 04:00
图片来源:界面图库 智通财经记者 |杜萌 5月以来,港元货币基金收益率持续大跌,离岸人民币香港银行同业拆借利率(HIBOR)从4月末的 4.5%狂跌至6月16日的0.0185%。 这让不少跨境投资者的"天塌了"。去年以来,随着国内货币基金的收益率持续下行,港汇货币基金由于 较高的收益率一度广受投资机构青睐。 短时间内规模暴增,和港元货币基金的申赎便捷性有关。以长桥证券的现金宝账户为例,该账户可以直 接申购高腾港元货币基金,这只货基没有购买费率,但会收取0.3%/年的管理费和0.02%/年的托管费。 卖出时,同样没有卖出费率,最小持有份额为0.01份。 为何近期港元货币基金收益率大跌?晨星(中国)基金研究中心高级分析师吴粤宁告诉智通财经记者, 这和香港的汇率制度紧密相关。 "香港实施联系汇率制度,规定港元与美元挂钩,汇率波动范围限定为7.75至7.85港元兑1美元之间。当 市场汇率触及或逼近区间边界时,香港金管局将通过卖出港元买入美元(强方兑付保证时)或买入港元 卖出美元(弱方兑付保证时)的操作维持汇率稳定。"吴粤宁解释,今年4月以来,美国关税政策频繁调 整削弱了市场对美元储备货币地位的信心,美元资产遭抛售致美 ...
国际货币基金组织(IMF):技术团队将于6月份稍晚前往阿根廷。
news flash· 2025-06-12 18:58
Group 1 - The International Monetary Fund (IMF) technical team is scheduled to visit Argentina later in June [1]
美国财长贝森特:国际货币基金组织是利用税收资金增强美国影响力的良好途径。
news flash· 2025-06-11 20:50
Core Viewpoint - The U.S. Treasury Secretary, Janet Yellen, stated that the International Monetary Fund (IMF) serves as an effective means for utilizing tax revenue to enhance U.S. influence globally [1] Group 1 - The IMF is viewed as a strategic tool for the U.S. to project its power and influence in international financial matters [1] - The use of tax funds in supporting the IMF is framed as a beneficial investment for the U.S. to strengthen its global standing [1]
喀麦隆:对国际货币基金组织援助计划的新担忧
Shang Wu Bu Wang Zhan· 2025-05-16 15:47
Group 1 - The IMF conducted its eighth and final review of the Extended Credit Facility (ECF) and the Extended Fund Facility (EFF) in Cameroon, assessing the country's recent economic performance and outlook [1] - The review highlighted concerns regarding Cameroon’s progress on structural and quantitative targets, with the IMF questioning the achievement of these goals [2] - The IMF is particularly worried about the projected rebound in the fiscal deficit for 2024, attributing it to "spending pressures" in budget execution [2] Group 2 - The Cameroonian government acknowledged that declining oil revenues have impacted fiscal income, but internal sources pointed to consistently rising expenditures as the main issue [3] - The accumulation of accounts payable (RAP) remains a significant concern, with the total amount reaching 679.8 billion CFA francs (approximately $1.133 billion) by December 2024, worsening from 646 billion CFA francs (approximately $1.077 billion) in October [3] - The IMF's acceptance of the Cameroonian government's explanations regarding delays in state-owned enterprise reforms and private sector development is critical for future funding and negotiations [3]
多只货币基金密集限购,背后是何运作考量?
Huan Qiu Wang· 2025-05-16 06:28
Group 1 - A number of money market funds have recently implemented purchase limits to prevent arbitrage funds from impacting their operations [1][3][4] - Specific funds, such as the Shangyin Hui Profit Money Market Fund and the Taixin Daily Income Money Market Fund, have set limits on daily purchases exceeding 2 million yuan and 10,000 yuan respectively [1][3] - Over 20 fund companies, including Jianxin, Hongde, and Morgan, have made similar adjustments to their money market funds, either limiting large purchases or suspending them altogether [3][4] Group 2 - The recent adjustments in purchase limits are seen as a standard industry practice to manage the influx of idle funds and ensure stable fund operations [4] - The average 7-day annualized yield for money market funds has increased to 1.38% as of May 14, up nearly 2 basis points from the previous week, but down over 10 basis points from the end of March [4]
终于等到中国松口了!就在刚刚,北京传出重大喜讯,迅速传遍国际
Sou Hu Cai Jing· 2025-05-13 14:52
据新华社近期报道,商务部新闻发言人何亚东8日表示,中方绝不会答应,更不会牺牲原则立场、牺牲国际公平正义去寻求达成任何协议。国 务院副总理将在瑞士与美方就关税问题展开会谈。在商务部8日举行的例行新闻发布会上,何亚东在回答关于会谈的记者提问时作出上述回 应。 特朗普(资料图) 在国会众议院金融服务委员会出席听证会时透露,贝森特表示,美国正寻求扩大在国际货币基金组织(IMF)和世界银行(WB)的领导地 位。同时,他还阐述了特朗普政府在经济领域的优先事项,并回应了议员们对关税、减税和全球经济稳定的问题。在当天的质询中,贝森特重 申了美国将强化在IMF中的领导地位,以确保该机构在全球金融治理中发挥更大作用。他表示,美国计划推动IMF提高透明度,特别是在汇率 政策和债务管理方面。贝森特还特别提到,IMF的特别提款权(SDR)应该更加符合美国的利益,而不是援助大型、财政实力雄厚的国家。在 他看来,目前特别提款权的分配与预期目的不一致,"并让那些可能不需要的人受益"。 贝森特的窘境,实则是美国单边主义工具箱见底的缩影。当"让制造业回流"的口号沦为政治表演,当34万亿美元国债压得财政部喘不过气,关 税成了最后一根救命稻草。4月 ...
国信(香港)基金周报:美国利率维持不变符合预期,利好美元货基
Guoxin Securities· 2025-05-13 03:05
国信(香港)基金周报 2025 年 5 月 12 日 美国利率维持不变符合预期,利好美元货基 一、国信香港精选基金表现 表 1 国信香港精选基金表现 | 基金名称 | 周涨跌幅 | 七天年化收益率 | 近一年收益率 | 基金净值 | | --- | --- | --- | --- | --- | | 华夏精选美元货币基金 | 0.035% | 4.420% | - | 113.4948 | | 泰康开泰美元货币基金 | 0.033% | 4.000% | - | 11.3983 | | 高腾微金美元货币市场基金 | 0.034% | 4.410% | - | 11.54196 | | 泰康开泰海外短期债券基金 | 0.181% | - | 6.440% | 13.2630 | | 华夏精选固定收益配置基金 | 0.015% | | 4.630% | 11.6571 | | 华夏恒生科技指数ETF-非上市份额* | -0.305% | - | 32.810% | 10.8526 | | | | | *因产品成立时间问题,近一年采用场内ETF同期的数据。 や五草金箔信日: 6月0日: 儒美利知 昭和草型科学会治植 ...
惠誉:将阿根廷评级上调至“CCC+”,评级上调反映了国际货币基金组织新计划的启动和外汇市场的重大自由化。
news flash· 2025-05-12 18:03
Core Viewpoint - Fitch Ratings has upgraded Argentina's rating to "CCC+" reflecting the initiation of a new program with the International Monetary Fund (IMF) and significant liberalization in the foreign exchange market [1] Group 1 - The upgrade to "CCC+" indicates a positive shift in Argentina's creditworthiness [1] - The new IMF program is expected to provide financial support and stability to Argentina's economy [1] - The liberalization of the foreign exchange market is a critical factor contributing to the improved rating [1]