今年以来，货币基金收益率持续走低。截至12月16日，有统计数据的货币基金七日年化收益率中位数为 1.24%。其中，上百只"宝宝类"基金七日年化收益率不足1%。 记者注意到，近日多只货币基金"关门谢客"，纷纷暂停申购或严格限购，防止套利资金"偷收益"，摊薄 长期持有人的利益。 百余只基金七日年化收益率跌破1% 今年以来，"宝宝类"基金收益持续走低，多只货币基金七日年化收益率已不足1%。数据显示，截至12 月16日，941只有统计数据的货币基金七日年化收益率中位数为1.24%。其中，102只货币基金七日年化 收益率跌至1%以下，还有300余只货币基金七日年化收益率在1%至1.2%之间。 不过，规模最大的天弘余额宝基金七日年化收益率仍在1%以上。截至12月16日，天弘余额宝七日年化 收益率为1.014%，较上周小幅回升。此前，该基金七日年化收益率一度跌至1.001%。 天弘余额宝基金基金经理在今年三季报中表示，存款搬家的现象对银行在资金端的运用和管理上产生了 一些影响，增加了资金流动所产生的摩擦，增加了备付需求，这也使得银行在货币市场的基础货币供应 实际上是下降的，加大了在某些关键时点货币市场利率的波动性。此外，北 ...

Core Points - Tianhong Fund announced a reduction in the custody fee for its Tianhong Yu'ebao money market fund from 0.08% to 0.07% effective September 23, 2023, alongside other funds reducing their management fees [1][2] - The public fund industry is experiencing a trend of fee reductions across various fund types, including money market funds, driven by declining yields and regulatory changes [3][4] - The average 7-day annualized yield for money market funds is currently 1.12%, with 22% of funds yielding below 1%, primarily due to pressure on underlying assets [5][6] Fee Reductions - Tianhong Yu'ebao's fee reduction is expected to save investors approximately 80 million yuan [2] - Other funds, such as E Fund's Margin Income and Guoxin Guozheng's Cash Increase, have also announced fee reductions, with management fees decreasing from 0.20% to 0.15% and from 0.30% to 0.20%, respectively [2] - The China Securities Regulatory Commission has proposed that the sales service fee for money market funds should not exceed 0.15% per year, prompting further fee reductions across the industry [3] Market Trends - Despite declining yields, money market funds have seen stable growth in scale, attributed to low entry barriers, low risk, and high liquidity, appealing to younger investors [6] - The asset allocation of money market funds is heavily weighted towards bonds (54%) and bank deposits (27%), making their yields closely tied to monetary policy and market interest rates [5]