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枫下家园 / 理财投资税务 / 请问各位，CIBC U.S. Dollar Money Fund是种什么样的投资方法？利弊在什么地方？谢谢。
-heian(㊣黑暗天使);
2002-1-22
(#343432@0)
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你说的是CIBC U.S. Dollar Money Market Fund吗? 如果是, 它是一种mutual fund, 和GIC存款差不多, 利息稍高, 稍有波动.
-zjoy(Joy);
2002-1-22
(#343470@0)
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对对，是这个。我少打了个词。
-heian(㊣黑暗天使);
2002-1-22
(#343492@0)
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This type of income fund is very consistent. That's why its yield is so low. Also, there's no risk involved. It's almost exactly like a GIC.. with just a little bit higher yield.Advantage, you can take it out any time. Unlike fixed GIC which is normally fixed during the period and if you take it out, you loss all the interest. Disadvantage, your deposit is not gurantee.
-jeffrey815(Smartiecat);
2002-1-22
{194}
(#343768@0)
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Advantage我是和清楚，请解释一下Disadvantage。为什么"deposit is not gurantee"？不是说no risk involved？
-heian(㊣黑暗天使);
2002-1-22
(#343776@0)
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I think because the interest rate is based on the exchange rate. In case of a hard devaluation (like in Argentina), you may lost some or most of your money.
-hellangel(地狱天使);
2002-1-22
(#343814@0)
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今天去CIBC办事，有人就给我介绍这个东东。但是根据我的理解，它的风险应该仅限于利息吧？就是说利率是浮动的，我获利多少根据这个变。但是本金应该不会因为利率的升降而变化，对吧？
-heian(㊣黑暗天使);
2002-1-22
(#343874@0)
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Right.
-wxz(我爱我家);
2002-2-17
(#371581@0)
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Your GIC is called Gurantee Income Certificate, your base deposit is gurantee. But for mutual fund, your deposit is not gurantee. Although the risk is so low, but there is still a chanceyou will loss moneyBut the chance you are losing money is like only 1%. but still, it's not gurantee. Also, I'm pretty sure GIC is insured while mutual funds are not. Which means if the bank go bankrupt, you get your GIC back but not mutual funds.
-jeffrey815(Smartiecat);
2002-1-25
{230}
(#347343@0)
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It's super low risk.. so people alway refer it to no risk.
-jeffrey815(Smartiecat);
2002-1-25
(#347351@0)
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money market fund is a kind of mutual fund thatmoney market fund is a kind of mutual fund that invest in some short term government or institute issued bonds. because of it's low risk and high liquidity, it can also be consider as a saving account with higher interest rate.
As a practise of mutual funds sale and also in order to conform to the security law, the company will always disclaim that the value of your investment is not guaranteed. so you don't need to worry about it.
-catcan51(小野猫);
2002-2-16
{439}
(#371229@0)