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谨防“余额宝们”国庆收益落空 已有货基提前“关门”
2017-09-23 07:16:55 中国经济网
中国证券网讯(记者 朱妍)富荣货币市场基金及泰信天天收益货币市场基金22日发布公告,前者28日起暂停申购业务,后者28日、29日将分别暂停除直销外的以及直销的申购、定投及转换入业务。这预示着今年国庆假日货基“提前关门”公告潮的开始。
本次国庆节连带中秋节,从10月1日起休假到10月8日。除去22日,沪深市场节前已仅剩5个交易日,而每逢节假日,众多货基“关门”几乎是例行公事。上述两只基金的公告显示,暂停申购等业务的主要目的是为了为保证本基金的稳定运作,保护基金份额持有人利益。如果大量资金集中申购货币基金,会造成新申购的资金摊薄原有持有人收益的情况,因此假日期间许多基金公司会选择提前暂停货币基金的申购业务。
由于货币基金收益计算不受休市影响,因此作为假期理财的方式之一,受到了很多“闲钱”的青睐。但如果不及时为资金找到合适的货币基金进行投资,可能就会因为买不到而损失假日8天的收益。实际上,有些基金产品甚至会提前3个工作日就“关门谢客”。
值得注意的是,即便部分基金产品没有提前暂停申购,也要在节日前一个交易日收盘前买入,才能确保假日收益。以余额宝作为例,作为规模最大的货币基金,余额宝一直受到很多灵活资金的青睐。如天弘基金节前无特殊公告,那么投资者最晚应在29日下午3点前进行申购。
业内人士表示,节前购买货币基金就是“人闲钱不闲”,是非常省心的理财方式,除此之外,还可以关注场内国债逆回购的投资,一般而言节前逆回购收益率都会有所提高。
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