京东“活钱+”火了！期望收益高于货币基金，接棒宝宝类理财热

中金在线04-18

京东活钱+正掀起一股理财热潮。不满足于货币基金较低收益的年轻人，正大批涌进京东活钱+。记者发现，活钱+与货币基金类似，同为稳健型理财产品，但是可以期望的收益更高。它约有50%资产配置于货币基金、50%配置于债券基金，适合期望年化收益率在2.8%-3.2%的投资者。这一收益已经高于市面上的货币基金。不仅如此，按照产品规则，京东活钱+还支持部分持有资金当日快速赎回，申请转出当天就能到账。这让人们能放心...

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The expected return is higher than that of monetary funds, taking over the baby wealth management boom","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"89618":0.9,"09618":1,"03152":1,"JD":0.6},"content_text":"京东活钱+正掀起一股理财热潮。不满足于货币基金较低收益的年轻人，正大批涌进京东活钱+。记者发现，活钱+与货币基金类似，同为稳健型理财产品，但是可以期望的收益更高。它约有50%资产配置于货币基金、50%配置于债券基金，适合期望年化收益率在2.8%-3.2%的投资者。这一收益已经高于市面上的货币基金。不仅如此，按照产品规则，京东活钱+还支持部分持有资金当日快速赎回，申请转出当天就能到账。这让人们能放心把活钱放进京东活钱+，应付突发用钱情况，还每天都有不错的收益。目前，在京东金融App搜索“活钱+”，即可找到购买入口。据官方信息，京东活钱+还新上线了“收益增强”产品，即活钱-月月投、双月投、季度投。这些产品配置了更多中短债和长债，可期望的年化收益率最高能到3.2%-3.4%。这为持有期更长、对收益和风险偏好更高的投资者提供了新选择。同为稳健理财，期望收益高过货币基金债券基金主要投资于国债、金融债和企业债，风险和收益都比货币基金稍高，但仍属于稳健理财产品。因此混合了债券基金和货币基金的产品，就能在兼顾较低风险的同时拥有更高的收益。以京东活钱+为例，产品适合期望收益率在3.2%-3.4%的投资者。这一收益率已经超过市面上的货币基金产品。对比中证货币基金指数可以发现，活钱+始终具备稳定的超额收益。京东活钱+这样的产品出现，是顺应了人们对债券基金的投资热情。在过去一年，很多人不满足于纯货币基金的收益，开始大批买入债券基金。Wind数据显示，2023年，短债基金的规模增长57%，突破万亿元大关。2024年第一季度，多家债券基金的规模增长超过70%，由于销售火爆还开启了限购。债券基金还具备较为稳健的特点。京东活钱+包含的债券基金主要为中短债，债券剩余期限很“短”，因此波动幅度有限。Wind短债基金指数显示，过去10年里，该指数每年均为正收益，平均最大回撤仅为-0.48%。得益于更高收益和稳健风险的特点，京东活钱+正成为人们心中货币基金的“上位替代”。有证券业内人士将京东活钱+为代表的产品，统称为“活钱+类产品”，形容他们有望接棒宝宝类货基的心智，“重新定义余额理财”。多家基金公司表示，这类货基+债基混合产品，既保持可控回撤，收益又大幅优于传统货币基金，因此具有较高的资产配置价值。动态调整债基-货基比例，规避债市回撤风险京东活钱+并不只是混合了货基和债基产品。它脱颖而出的原因在于：以动态调仓主动回避债市回撤风险。京东金融与投顾机构合作，会根据债券市场行情调整债基、货基的比例，在行情低迷时主动降低债基的仓位。举例来说，如果投顾团队判断下周债市有较大回撤风险，就会赎回一些债券基金、买入更多货币基金。两者的比例原本是50:50，调整后可能变为40:60或30:70。这就像在暴风雨前将船驶进船坞，在阳光普照时再继续航行。“这可能是年轻人的第一次投顾服务。”京东金融活钱+产品负责人向记者表示。在传统的货基-债基混合产品中，两者的比例通常是不变的。投顾服务会用于投资规模较高的客户，普通人也无缘享受。据透露，京东金融则从货基-债基混合产品中，找到了投顾服务的切入点，让京东活钱+能成为服务大众的理财产品。“这或许是让投顾服务触达广大投资者的切入点，可能产生让公募基金普及更多投资者的效应。”有证券权威人士表示，“活钱+”类产品被投顾行业寄予厚望，受到业内机构普遍关注。有金融人士透露，京东活钱+的火爆还得益于，填补了货币基金和高风险投资之间的空白。在过去几年里，货币基金的收益逐渐走低，与较高风险和收益的产品建存在断档，因此年轻人才主动尝试投资债券基金。而京东活钱+正契合了这一需求，还推出“收益增强”产品，如活钱-月月投、双月投和季度投。这使投资者能够匹配自身风险偏好，在连续区间上选择合适的产品。在普通人追求更高收益、投资债券基金的过程中，京东活钱+有可能成为那个引爆市场的产品吗？我们认为这值得期待。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2428554627"}