余额宝货基选择

纆g

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选择货币基金的两大原则三个技巧：

散户持有率＞70%收益率原则：100~500亿规模周四不申购周五不赎回月末、季末、年末收益率会高

知道了这些原则，具体如何执行呢？我手头的资金主要是应对日常开销，或者一两个月后要用到的钱，对于资金的赎回要求高，最好是秒到账，或者是T+0。在这个基础上在考虑收益率。所以我选择余额宝购买货币基金，因为余额宝可以T+0赎回，几乎是秒到账，不影响我的资金使用。唯一的不足是每天只有1万的额度，超过1万就是T+1了。而直接买货基的话，赎回都是T+1。

现在余额宝中的货币基金数量也有28种（2021年4月28日），在这28中货基中，只能选择一种购买。首先我在天天基金网上搜索到这些基金的基本数据，汇总到Excel表格中，然后筛选散户持有率超过70%的，基金规模＞100亿的。最好按照一年的收益率排序，选择排名前5的基金，这样就保障了长期收益率、安全性和流动性。最后在这5个基金中挑选7日年化最高的买入。因为持有时间也就一个月左右，总金额也不大，所以随便选一只都可以，对最终的收益影响并不大。

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作者：鲍明泽Bob