余额宝宣布下调
<section><p style="text-align: center;"><br/></p><section style="box-sizing: border-box;text-align: justify;font-size: 16px;color: rgb(62, 62, 62);visibility: visible;" data-pm-slice="0 0 []"><section style="margin: 0px 0% 10px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row;width: 100%;background-color: rgba(199, 230, 255, 0.33);padding: 16px 20px;align-self: flex-start;box-sizing: border-box;max-width: 100% !important;visibility: visible;"><section style="font-size: 17px;color: rgb(1, 8, 12);padding: 0px;line-height: 1.8;letter-spacing: 1px;width: 100%;box-sizing: border-box;max-width: 100% !important;visibility: visible;"><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">9月23日，天弘基金公告称，旗下全市场规模最大的货币基金——天弘余额宝货币市场基金决定调低基金的托管费，<span textstyle="" style="font-weight: bold;">由0.08%年费率调低为0.07%年费率，</span>并相应修订相关法律文件的有关内容，调整后的费率自9月23日起生效。</span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;"><br/></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">值得一提的是，<span textstyle="" style="font-weight: bold;">此次降费也是该基金成立12年以来首次降费。</span></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;"><br/></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">公开资料显示，2013年5月29日，天弘增利宝货币市场基金募集成立（后更名为“天弘余额宝”）；同年6月13日，天弘余额宝上线支付宝，成为国内首只互联网基金。截至2025年二季度末，天弘余额宝的规模为7932.19亿元，在全市场中稳居榜首。</span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;"><br/></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">根据天弘基金发布的公告，此次调整仅涉及托管费率，管理费率保持0.30%不变，销售服务费率仍为0.25%，调整后该基金运作综合费率为0.62%。</span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;"><br/></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">天弘基金在公告中表示，此次费率调整是“为更好地满足投资者需求”，同时相应修订了基金合同和托管协议等相关法律文件。</span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;"><br/></span></p><p style="text-align: justify;max-inline-size: 100%;margin: 0px;padding: 0px;clear: both;min-height: 1em;cursor: text;color: rgb(51, 51, 51);font-size: 17px;caret-color: rgb(255, 0, 0);text-decoration-thickness: initial;font-family: mp-quote, -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span leaf="" style="visibility: visible;">业内人士指出，尽管单看下调幅度不大，但考虑到余额宝截至二季度末拥有超7.65亿户投资者和约7932亿元的规模，这一调整将为投资者节省相当可观的成本。以余额宝为例，假设投资者持有1万元余额宝，按调整前0.38%的综合费率（此处仅计算了管理费率与托管费率）计算，一年需支付38元费用；调整后，这一数字降至37元，节省1元。对于大额资金持有者，节省的费用更为显著。</span></p></section></section></section><section nodeleaf=""></section><p style="text-align: center;"><span leaf=""><br/></span></p><p style="text-align: center;"><span leaf=""><span textstyle="" style="background-color: rgb(22, 106, 194);color: rgb(255, 255, 255);font-weight: bold;">余额宝此次调降托管费率并非个案</span></span></p><section style="box-sizing: border-box;text-align: justify;font-size: 16px;color: rgb(62, 62, 62);"><section style="text-align: center;margin: 10px 0%;justify-content: center;display: flex;flex-flow: row;width: 100%;border-width: 1px;border-radius: 8px;border-style: solid;border-color: rgb(20, 100, 180);overflow: hidden;box-shadow: rgb(20, 100, 180) 0px 0px 0px;background-color: rgba(255, 255, 255, 0);padding: 0px 0px 10px;height: auto;align-self: flex-start;max-width:100% !important;box-sizing:border-box;"><section style="justify-content: center;display: flex;flex-flow: row;width: 100%;box-shadow: rgb(0, 0, 0) 0px 0px 0px;padding: 15px 10px 0px;align-self: flex-start;max-width:100% !important;box-sizing:border-box;"><section style="font-size: 17px;text-align: justify;color: #01080c;letter-spacing: 1px;line-height: 1.75;width: 100%;max-width:100% !important;box-sizing:border-box;"><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">9月23日，易方达基金宣布，自9月26日起调低易方达保证金收益货币市场基金的费率，管理费年费率由0.20%调低至0.15%，托管费年费率由0.08%调低至0.05%。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">同日，国新国证现金增利也公告称，为更好地满足广大投资者的投资理财需求，降低基金投资者成本，自9月23日起，将管理费年费率由0.30%调整为0.20%，将托管费年费率由0.10%调整为0.07%。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">此前9月4日，东方金元宝货币市场基金公告称，自9月5日起，将托管费年费率由0.10%调整为0.05%；9月3日，华宝现金宝货币市场基金也将托管费年费率由0.10%调整为0.08%。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">事实上，自2023年7月公募基金费率改革起，便有一批货币基金陆续开始下调托管费率。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">2025年5月7日，中国证监会公开印发《推动公募基金高质量发展行动方案》，其中也有强调引导行业机构适时下调货币市场基金的管理费率与托管费率；9月初，证监会发布的《公开募集证券投资基金销售费用管理规定（征求意见稿）》也提到，对于货币市场基金，计提的销售服务费应当不高于0.15%/年。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">“货币基金费率下行是行业大势所趋，最终受益的是普通投资者。”有公募内部人士指出，费率调整也将重塑货币基金市场竞争格局。长期以来，货币基金同质化现象严重，费率成为差异化竞争的关键因素之一。随着行业龙头余额宝加入降费行列，预计将引发更多基金公司跟进。</span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf=""><br/></span></p><p style="max-inline-size: 100%;margin: 0px;padding: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;cursor: text;"><span leaf="">“大型基金公司可以通过规模效应抵消费率下降的影响，而小型公司可能需要寻求产品创新或特色化发展路径。”上述人士称。</span></p></section></section></section></section></section><p><section><section><section class="mp_profile_iframe_wrp" style="margin-bottom: 0px;letter-spacing: 0.578px;white-space: normal;caret-color: rgba(0, 0, 0, 0);" nodeleaf=""><mp-common-profile class="custom_select_card mp_profile_iframe" 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leaf="">转发+在看，告诉身边人</span></span></strong></span></section></section></section></section></section></section></section></p><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p style="color:#999;font-size:.8em;margin-top:1em">转载声明：本文转载自徐州新闻</p><p><br/></p><link rel="stylesheet" href="//bbs.221700.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Iec" id="wcn_editor_css"/> 利率如今成托管了？？？？？？？？
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