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公募基金流动性新规对投资者的影响分析

2017-09-06 06:51:47   中国经济网

摘要:经过几个月的征求意见和修改,证监会发布《公开募集开放式证券投资基金流动性风险管理规定》,自2017年10月1日起施行。我来分析一下公募基金流动性新股的我们基金投资者的影响。

1、货币基金影响。

最近传闻很多,说“余额宝”被关照了,我来解释一下:根据新规规定,货币基金整体被重点关注,不只是“余额宝”,余额宝在影响范围内,但是针对的不只是余额宝,所以个别“专家”解读只说余额宝或是说只针对余额宝,这肯定不对。

很多人关注新规的29条:同一个基金管理人的摊余成本法的净资产不得超过风险准备金200倍,这一条基本上就是天弘基金限制余额宝额度的原因。但是我看了相关报道,余额宝平均用户资产是几千元,所以说限额10万对于大部分人来说影响不大或是说基本没影响,当然你要受到限额10万元的限额了,那么恭喜你,你余额宝的资产是余额宝用户平均资产的一二十倍了,你不一定是个富人,但是绝对不穷。

天弘基金肯定受影响,但是别的基金公司也不会一点没事,这个规定同时限制了货币基金向部分低评级机构(信用等级低于AAA级别的)交易的规模,将会降低市场风险,增加部分中小型农商银行、城商行的加杠杆扩大规模的难度,前几年部分中小型农商行城商行为了规模,有点扯,监管看不下去了。

大家记住,天弘基金有烦恼,但是这是幸福的烦恼好不好,换做别的基金公司要是有几亿基金投资者和万亿规模,半年营收四十亿,盈利11亿,你愿意不愿意?我反正是愿意的,半年盈利十几亿即使放在整个中国股市的上市公司里面排名也是很靠前的吧,很多人关注的水电股川投能源(600674,股吧)半年净利润也就12亿,福耀玻璃(600660,股吧)半年利润也就13亿多。天弘基金的人不傻,就是天弘基金的人都犯傻,天弘后面还有蚂蚁金服和马云,这些人都不是一般人。

2、基金套利难度加大,基金组合和基金智能投顾有连锁反应。

这两年虽然公募的FOF基金还在审批流程中,但是基金公司、银行、第三方销售机构推出了多款基金组合和基金智能投顾:比如我们熟知的招商银行(600036,股吧)摩羯智投,天天基金、盈米且慢、蛋卷基金等等基金组合,南方基金、嘉实基金(博客,微博)的类似“目标赢”止盈定投或是目标收益产品,取得了很大发展,我们很多投资者也都提前体验了基金投资组合和基金智能投顾。

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