宝类产品收益对比：最高7日年化收益52,
一、数据对比 昨日，货币基金的7日年化收益率均值为4.37%，纳入好买统计的 宝类 产品中佣金宝、壹钱包活钱宝、掌柜钱包表现居前，7日年化收益率分别为5.20%、4.79%、4.78%；余额宝、众禄现金宝、易方达易理财表现居后，7日年化收益率分别为4.17%、4.04%、4.02%。 日每万份收益比较 7日年化收益率比较中短期业绩比较时间名称7日年化均值(%)7日年化方差每万份收益均值每万份收益总值每万份收益方差近一周佣金宝4.96140.08011.512210.58530.4418掌柜钱包4.78760.00171.513210.59250.1786壹钱包活钱宝4.77100.00141.465110.25580.2093百赚利滚利4.64310.00161.429910.00900.1909中银活期宝4.64190.05181.33339.33280.1416平安盈均值4.57110.00351.40229.81540.1879京东小金库均值4.55660.00791.41059.87370.1753华夏财富宝4.47910.00031.36869.58030.1754民生如意宝均值4.47350.00441.37359.61430.1575货币基金均值4.39670.37531.36899.58260.9125理财通均值4.39170.00311.34489.41330.1598百度百赚4.37900.00011.33969.37750.1749苏宁零钱宝均值4.36940.00191.33289.32940.1604银联天天富4.35970.00481.37779.64370.1727众禄现金宝均值4.33440.04091.30979.16780.1777汇添富全额宝4.30260.00251.31739.22130.1522广发天天红4.29730.00251.30339.12340.1629易方达易理财4.27210.01151.30979.16810.0996好买储蓄罐4.22830.00061.30449.13060.1591工银现金快线4.22830.00061.30449.13060.1591余额宝4.15010.00021.27798.94530.1546近一月佣金宝4.91740.27051.550341.85930.2922掌柜钱包4.87210.00491.503540.59420.1661壹钱包活钱宝4.61660.00941.425738.49390.1928京东小金库均值4.58050.02671.408738.03590.1853百赚利滚利4.57740.00461.409538.05770.1996中银活期宝4.55390.04201.395637.68080.1547平安盈均值4.51590.00751.407337.99730.1751华夏财富宝4.47070.00091.378837.22800.1777民生如意宝均值4.43650.00351.366236.88870.1632易方达易理财4.39770.01901.360036.72040.0860理财通均值4.39000.00991.352336.51280.1423银联天天富4.37880.01681.363436.81290.1713百度百赚4.37770.00061.349236.42930.1741苏宁零钱宝均值4.37080.00771.345336.32420.1557广发天天红4.35170.01211.337836.12110.1559汇添富全额宝4.33990.00751.332635.98150.1497好买储蓄罐4.31990.00951.325735.79340.1609工银现金快线4.31990.00951.325735.79340.1609众禄现金宝均值4.27960.07631.325435.78490.1780货币基金均值4.18030.56731.307635.30540.5042余额宝4.15900.00041.281234.59210.1550 数据来源：Wind、好买基金研究中心 二、回顾及展望 上周，得益于月末因素消退，且新股申购资金解冻，市场资金面持续呈现整体宽裕态势，主要期限回购利率连续下行，7天质押式回购的加权平均利率降低至3.1979%，较前一周末下降47.5个BP。尽管资金面宽松，但央行4日仍小幅调减正回购操作量，上周公开市场操作最终净投放70亿元，为近期连续第四周净投放。例行缴准和中秋小长假的冲击有限，本月可能对资金面构成威胁的主要是季末时点因素，但届时有望得到央行的援助，资金利率出现剧烈波动的可能性很小。短期，资金利率将以3.5%(R007)为中枢做震荡。 据2014年基金半年报显示，上半年机构投资者持有基金比例较去年底微幅上扬0.62个百分点，其中机构上半年重点加仓货币基金，整体增加1779.08亿份。不过机构持有人对货币基金的热情不及个人，持有占比从去年底的34.70%下滑至27.42%。今年上半年A股市场整体表现疲软，机构加码货币型基金，避险情绪浓厚，此外与上半年债市的走牛不无关系，货币基金收益因此普遍走高。随着互联金融的普及，个人投资者在基金投资中将会更加举足轻重。（来源：好买基金）