登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：信达澳亚基金管理有限公司 基金托管人：交通银行股份有限公司 二零二五年八月 一、重要提示 1、信澳中证同业存单AAA指数7天持有期证券投资基金（以下简称"本基金"）的募集已获中国证监会 证监许可【2025】1250号文注册。中国证券监督管理委员会（以下简称"中国证监会"）对本基金的注册 并不代表中国证监会对本基金的风险和收益作出实质性判断、推荐或者保证。 2、本基金为契约型、开放式基金。 本基金每个开放日开放申购，但对每份基金份额设置7天的最短持有期限。同时，本基金开始办理赎回 业务前，投资者不能提出赎回或转换转出申请。本基金开始办理赎回业务后，自基金合同生效日（对于 认购份额而言）或基金份额申购确认日（对于申购份额而言）至该日起的第6天（含当日），投资者不 能提出赎回或转换转出申请；该日起的第7天起（含当日，如为非工作日则顺延至下一工作日），投资 者方可提出赎回或转换转出申请。 3、本基金的管理人、注册登记机构为信达澳亚基金管理有限公司（以下简称"本公司"），基金托管人 为交通银行股份有限公司（以下简称"交通银行"）。 4、本基金的募集期为202 ...

Group 1 - The core viewpoint is that major state-owned banks and key joint-stock banks have collectively lowered deposit interest rates, leading to a shift in fixed deposit rates entering the "1 era" [1] - The Tianhong Zhongzheng Interbank Certificate of Deposit AAA Index 7-day holding period product has shown a stable annualized return of over 2% since its inception, indicating its strong performance [1] - The investment threshold for this product is very low, starting at just 0.01 yuan, making it accessible for a wide range of investors [1] Group 2 - The fund manager of the Tianhong product stated that the yield operation space of interbank certificate of deposit index funds is greater than that of money market funds but less than that of short-term bond funds, making it suitable for most investors [2] - The configuration value of interbank certificates of deposit is expected to become more prominent in the future, especially after the recent deposit rate cuts [2] - The demand for certificates of deposit is anticipated to increase as banks transition deposits to non-bank funding, improving the supply-demand relationship [2]

Fund Overview - The fund is named "China Post CSI Interbank Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund" with a code of 024199 [20] - It is classified as a mixed-type securities investment fund [2] - The fund operates as a contractual open-end fund with a lock-up period of 7 days for each share [20][18] - The total fundraising cap is set at RMB 5 billion [6][21] Fund Management and Operations - The fund is managed by China Post Capital Management Co., Ltd., with the registration and custody handled by China Postal Savings Bank [3][4] - The fund will be publicly offered from May 28, 2025, to June 10, 2025 [5] - Investors must open a fund account with the management company to purchase the fund [7] Investment Strategy - The fund aims to achieve returns similar to the underlying index before deducting fees, minimizing tracking deviation and error [21] - It primarily invests in the components and alternative components of the CSI Interbank Certificate of Deposit AAA Index, maintaining at least 80% of its non-cash assets in these securities [22][23] - The fund does not invest in stocks or convertible bonds, focusing instead on interbank certificates of deposit and other debt instruments [23] Subscription and Redemption Process - Investors can subscribe to the fund without incurring subscription fees, but a service fee will be charged [30] - The subscription process requires investors to submit specific documentation and ensure funds are transferred to designated accounts by the deadline [39][45] - The fund has a 7-day lock-up period during which investors cannot redeem or transfer their shares [18] Risk Factors - The fund's risk profile is lower than that of equity funds but higher than that of money market funds, primarily due to its investment in interbank certificates of deposit [7] - Potential risks include tracking error, index volatility, and the possibility of component securities being suspended or defaulting [8][14][15]