은행,증권사의 MMF (Money Market Fund)

<P>모든 은행, 증권사마다 있는 MMF 상품은 예금자보호가 되지 않고 평일에만 거래가 되지만,</P> <P>정기예금과 비슷한 수익률을 보이면서 평일엔 수시로 입출금이 가능하기때문에</P> <P>한두달정도의 일시적인 자금을 넣어놓기 무척 좋다. (그 이상일 경우 정기예금을..)</P> <P>(실제는 투자상품이지만 수익률이 거의 일정하기때문에 저축상품에 포함시켜도 되는 상품)</P> <P>- 넷꾼™ 이천수(<A href="http://cafe.daum.net/lecos">http://cafe.daum.net/lecos</A>) -</P> <P> </P> <P> </P> <P><STRONG>은행,증권사의 MMF (Money Market Fund)</STRONG></P> <P> </P> <P><STRONG>◆ 장점</STRONG></P> <P>△ 이율(수익률)이 아주 높은 수준 (최소 세전 3.5%이고, 상품에 따라 4%도 있음)</P> <P>△ 가입과 환매(=중도인출), 해지 모두 인터넷뱅킹으로 가능.</P> <P>△ 이자가 매일 붙음.</P> <P> </P> <P><STRONG>◆ 참고사항</STRONG></P> <P>△ MMF는 은행,증권사마다 여러가지 종류가 있으며, 가입자가 골라야한다.</P> <P>△ 크게 국공채MMF와 신종MMF로 나눌수 있으며, 국공채형 MMF는 국공채</P> <P>    (정부에서 만든 채권)에 투자하기 때문에 더 안정적이지만 신종 MMF보다</P> <P>    수익률이 약간 작습니다. 신종MMF는 회사채권 비중이 높아 좀 더 수익률이 높죠.</P> <P> </P> <P><STRONG>◆ 단점</STRONG></P> <P>▽ 예금자보호가 되지않음.</P> <P>▽ 인터넷뱅킹을 이용하지 않으면 거래가 쉽지않음.</P> <P>▽ 수시입출금이 가능하지만, 입금과 출금은 해당 은행,증권사의 모(母) 계좌를 통해 거래됨.</P> <P>▽ 따로 현금카드가 없어 ATM기기로 거래 불가능</P> <P> </P> <P><STRONG>◆ 주의사항</STRONG></P> <P>▽ 주식개장시간과 비슷한 평일 09:30~15:30 에만 거래가 가능하고 주말에 거래 안됨.</P> <P>▽ 대부분 환매수수료가 없지만, 아주 특정한 상품은 환매수수료기간이 있으니 확인.</P> <P>    (은행증권사들의 클린MMF 라는 상품들이 주로 환매수수료기간이 30일임)</P> <P>▽ 농협처럼 입금,환매,해지시 50만원 또는 100만원 단위로만 거래가 제한 되는 경우가 있고,</P> <P>    국민은행과 삼성증권 처럼 단위제한이 없는 경우도 있음.</P> <P> </P> <P> </P> <P> </P> <P> <TABLE style="WIDTH: 100%" cellSpacing=1 cellPadding=1 border=1> <TBODY> <TR> <TD>안정성(100점만점)</TD> <TD>80 (예금자보호 안됨)</TD></TR> <TR> <TD>연이율(연수익률)</TD> <TD> <P>2.7%이상 (기간에 따라 차이있으며, 금리변화있음)</P></TD></TR> <TR> <TD>인터넷뱅킹 수수료</TD> <TD> <P>은행,증권사마다 상이</P></TD></TR> <TR> <TD>ATM(CD)기기 수수료</TD> <TD>거래 불가능</TD></TR> <TR> <TD>가입 조건</TD> <TD> <P>없음</P></TD></TR> <TR> <TD>유지 조건</TD> <TD> <P>최소 잔액 (대부분 은행/증권사에서 1원이상임)</P></TD></TR> <TR> <TD>관련 인터넷주소</TD> <TD> <P>국민은행 <A href="http://ibn.kbstar.com/quics?page=A005815">http://ibn.kbstar.com/quics?page=A005815</A></P> <P>타 금융사는 각 은행,증권사에 있음.</P></TD></TR> <TR> <TD></TD> <TD> <P> </P></TD></TR> <TR> <TD></TD> <TD></TD></TR> <TR> <TD></TD> <TD></TD></TR></TBODY></TABLE></P> <P> </P> <P><STRONG></STRONG> </P> <P><STRONG>◆ 관련 홈페이지 내용</STRONG></P> <P>(주소들을 클릭할 때 쉬프트누른 상태로 클릭하면 새창으로 뜹니다)</P> <P> </P> <P><A href="http://banking.nonghyup.com/portal/pd/pd000100.html">http://banking.nonghyup.com/portal/pd/pd000100.html</A></P> <P>농협 신종 MMF-1 호</P> <P> </P> <P><A href="http://banking.nonghyup.com/portal/pd/pd000166.html">http://banking.nonghyup.com/portal/pd/pd000166.html</A> </P> <P>농협CA 개인국공채MMF1호</P> <P> <TABLE cellSpacing=0 cellPadding=0 width=580 border=0> <TBODY> <TR> <TD> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD width=23 rowSpan=6></TD> <TD vAlign=top height=17> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Ficon_01.gif"> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Fpd000166_title.gif"></TD> <TD width=13 rowSpan=6> </TD></TR> <TR> <TD height=18> </TD></TR> <TR> <TD height=13> <IMG height=13 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Fbox_title_bg_img01.gif" width=544></TD></TR> <TR> <TD align=middle background=/imgs/portal/pd/box_title_bg.gif height=80> <TABLE class=txt cellSpacing=0 cellPadding=1 width="90%" border=0> <TBODY> <TR> <TD height=8></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top width="2%" height=18> <IMG height=10 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Ficon_dot.gif" width=2> </TD> <TD class=font vAlign=top colSpan=2><STRONG><FONT color=#604321>단 하루만 맡겨도 실적배당해 드리는 초단기 금융상품입니다.</FONT></STRONG></TD></TR> <TR> <TD height=5></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top width="2%" height=17> <IMG height=10 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Ficon_dot.gif" width=2> </TD> <TD class=font vAlign=top colSpan=2><STRONG><FONT color=#604321>장부가평가상품으로 배당률의 안정성이 뛰어납니다.</FONT></STRONG></TD></TR> <TR> <TD height=2></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> </TD> <TD class=font vAlign=top width=0%><FONT color=#604321>-</FONT></TD> <TD class=font vAlign=top width="98%"><FONT color=#604321>(단, 시가와 장부가의 괴리율이 </FONT>±<FONT color=#604321>0.5%이상 또는 그러할 우려가 있는 경우 시가 반영)</FONT></TD></TR> <TR> <TD height=5></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top width="2%" height=17> <IMG height=10 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Ficon_dot.gif" width=2> </TD> <TD class=font vAlign=top colSpan=2><STRONG><FONT color=#604321>농협CA 국공채MMF 만의 특징</FONT></STRONG></TD></TR> <TR> <TD height=2></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> </TD> <TD class=font vAlign=top width=0%><FONT color=#604321>-</FONT></TD> <TD class=font vAlign=top width="98%"><FONT color=#604321>국공채위주의 자금운용으로 안전합니다.</FONT></TD></TR> <TR> <TD height=2></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> </TD> <TD class=font vAlign=top width=0%><FONT color=#604321>-</FONT></TD> <TD class=font vAlign=top width="98%"><FONT color=#604321>유동성자산은 우량은행의 CD 및 콜론 등으로 운용합니다.</FONT></TD></TR> <TR> <TD height=2></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> </TD> <TD class=font vAlign=top width=0%><FONT color=#604321>-</FONT></TD> <TD class=font vAlign=top width="98%"><FONT color=#604321>유동자금의 안정적인 투자를 원하시는 개인고객에게 적합한 금융상품입니다.</FONT></TD></TR> <TR> <TD height=5></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD> <IMG height=14 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fpd%2Fbox_title_bg_img02.gif" width=544></TD></TR> <TR> <TD> </TD></TR></TBODY></TABLE></TD></TR> <TR> <TD height=15> </TD></TR> <TR> <TD style="PADDING-LEFT: 10px" vAlign=top height=713> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD width=23 height=59> </TD> <TD vAlign=top width=16> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD vAlign=top width=94><STRONG>운용방법</STRONG></TD> <TD width=1 bgColor=#e8e8e8 rowSpan=27></TD> <TD class=font style="PADDING-LEFT: 10px" width=446> <TABLE class=line cellSpacing=1 cellPadding=2 width="95%" border=0> <TBODY> <TR class=bg01c> <TD width="70%" height=24>구 분</TD> <TD width="30%">운용 방법</TD></TR> <TR> <TD class=bg02c style="LINE-HEIGHT: 17px" width="70%" height=40>채권, 유동성자산, 기업어음<BR>(한국증권금융 발행 어음 및 채무증서에 한함)</TD> <TD class=bg00 width="30%" height=74 rowSpan=3> <DIV align=center>100%</DIV></TD></TR> <TR> <TD class=bg02c style="LINE-HEIGHT: 17px" width="70%" height=60>- 채권: 잔존기간 1년미만, AA-이상인 국채, 지방채, 특별법에 의해 설립된 법인이 발행한 채권</TD></TR> <TR> <TD class=bg02c width="70%" height=25>- 유동성자산: 금융기관 예치 또는 콜론, CD 등</TD></TR></TBODY></TABLE></TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>상품유형</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" width=446>추가형, 채권형</TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>가입대상</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" vAlign=top width=446>실명의 개인(법인은 가입 불가)</TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>신탁기간</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" width=446>제한없음</TD></TR> <TR> <TD height=14></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>신탁금액</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" width=446> <P>신규(계좌 유지)시 최저금액 : 100만원 / 계속 거래시 입출가능금액 : 1원</P></TD></TR> <TR> <TD height=14></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>보 수 </STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" width=446>총 0.45% (운용 0.122%, 판매 0.29%, 수탁 0.03%, 일반사무 0.008%)</TD></TR> <TR> <TD height=20></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>환매방법 </STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" width=446> <TABLE class=txt cellSpacing=0 cellPadding=1 width="96%" border=0> <TBODY> <TR> <TD vAlign=top width="4%" height=17> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_sarrow02.gif" align=absMiddle vspace=3 border=0></TD> <TD class=font vAlign=top>환매 청구일 당일 기준가격을 적용하여 당일 지급</TD></TR></TBODY></TABLE></TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>배당방법</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" vAlign=top width=446> <TABLE class=txt cellSpacing=0 cellPadding=1 width="96%" border=0> <TBODY> <TR> <TD vAlign=top width="4%" height=17> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_sarrow02.gif" align=absMiddle vspace=3 border=0></TD> <TD class=font style="LINE-HEIGHT: 17px">장부가평가에 의한 실적배당<FONT color=#604321>(단, 시가와 장부가의 괴리율이 </FONT>±<FONT color=#604321>0.5%이상 또는 그러할 우려가 있는 경우 시가 반영)</FONT></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>운용회사</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" vAlign=top width=446>농협CA투자신탁운용</TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><STRONG>수탁회사</STRONG></TD> <TD class=font style="PADDING-LEFT: 10px" vAlign=top width=446>신한은행</TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD vAlign=top><B>기준가격조회</B></TD> <TD class=font style="PADDING-LEFT: 10px" width=446><A href="xxxxxxxxxxxxjavascript:void(0);" xxxxxxxxxxxxonclick="f_nacfLink('/portal/pd/pd000112b.jsp?TrnFdt=&sUrl=/portal/pd/pd000112.jsp&sTarget=body&pG=b','body');return false;"></A></TD></TR> <TR> <TD height=18></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_arrow.gif" align=absMiddle border=0></TD> <TD style="LINE-HEIGHT: 17px" vAlign=top><B>약관 및<BR>투자신탁<BR>설명서</B></TD> <TD class=font style="PADDING-LEFT: 10px" width=446></TD></TR> <TR> <TD height=15></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD width=23> </TD> <TD vAlign=top> </TD> <TD vAlign=top> </TD> <TD class=font style="PADDING-LEFT: 10px" width=446> <TABLE class=txt cellSpacing=0 cellPadding=1 width="96%" border=0> <TBODY> <TR> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_sarrow02.gif" align=absMiddle vspace=3 border=0></TD> <TD class=font style="LINE-HEIGHT: 17px" width="100%"><STRONG>이 신탁은 예금자보호법에 의해 보호되지 않습니다.</STRONG></TD></TR> <TR> <TD height=5></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_sarrow02.gif" align=absMiddle vspace=3 border=0></TD> <TD class=font style="LINE-HEIGHT: 17px" vAlign=top width="100%"><STRONG>이 상품은 간접투자자산운용업법에 의하여 수탁회사에 안전하게 보관 관리되고 있으며 운용실적에 따라 이익 또는 손실이 발생될 수 있으며 그 결과는 투자자에게 귀속됩니다. </STRONG></TD></TR> <TR> <TD height=5></TD> <TD> <P style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; LINE-HEIGHT: 100%"> </P></TD></TR> <TR> <TD vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fbanking.nonghyup.com%2Fimgs%2Fportal%2Fico_sarrow02.gif" align=absMiddle vspace=3 border=0></TD> <TD class=font style="LINE-HEIGHT: 17px" vAlign=top width="100%"><STRONG>수익증권을 취득하시기 전에 투자신탁설명서를 반드시 읽어보시기 바랍니다.</STRONG></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></P> <P> </P> <P> </P> <P>국민은행  KB국공채MMF개인용P-101</P> <P><A href="http://ibn.kbstar.com/quics?page=A005820&ibn_productcode=15010271&fundType=FNDMMF&ibn_categoryIndex=36&ibn_noentry=true">http://ibn.kbstar.com/quics?page=A005820&ibn_productcode=15010271&fundType=FNDMMF&ibn_categoryIndex=36&ibn_noentry=true</A></P> <P> </P> <P> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR vAlign=top> <TD vAlign=top align=left width=15></TD> <TD vAlign=top align=left width=625> <DIV align=right> <TABLE cellSpacing=0 cellPadding=0 width=625 border=0> <TBODY> <TR> <TD vAlign=bottom align=right height=26> <P align=left><FONT style="FONT-SIZE: 12px" color=#b8b8b8><FONT color=#585043>위치: 국민은행 > 개인금융 > 예금/신탁 > 투자신탁 > 투자신탁 상품안내 > MMF > MMF형상세</FONT></FONT></P></TD></TR></TBODY></TABLE></DIV> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD><XFORM name="menuform" method="get"></TD></TR></TBODY></TABLE><XSCRIPT src="/ibn/js/ibnCommon.js"></XSCRIPT><XSCRIPT lang=xxxxxxxxxxxxjavascript></XSCRIPT> <TABLE cellSpacing=0 cellPadding=0 width=625 border=0> <TBODY> <TR> <TD style="PADDING-TOP: 1px" vAlign=top width=19> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_de2.gif"></TD> <TD style="FONT-SIZE: 15px" vAlign=top height=30><B>KB국공채MMF개인용P-101</B></TD> <TD style="PADDING-BOTTOM: 6px" vAlign=bottom align=right></TD></TR></TBODY></TABLE> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD></XFORM></TD></TR></TBODY></TABLE><XSCRIPT language=xxxxxxxxxxxxjavascript></XSCRIPT> <TABLE cellSpacing=3 cellPadding=0 width=625 bgColor=#dbdbdb border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 18px; PADDING-LEFT: 12px; PADDING-BOTTOM: 8px; PADDING-TOP: 8px" bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD vAlign=top width=460> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR vAlign=top> <TD vAlign=top>- 구) KB국공채신종MMF104 가 명칭 변경됨 <BR>- 특수한 경우를 제외하고는 단기자금을 수시로 입·출금 할 수 있으며, 환매수수료가 없습니다. <BR>- 잔존만기가 짧고, 안정성이 우수한 국공채 및 신용등급이 우량한 채권, 유동성자산 <BR>(CP,CD,CALL,예금 등) 에 운용하여 수익을 내는 단기형 상품입니다.</TD></TR></TBODY></TABLE></TD> <TD width=14></TD> <TD width=1 background=http://img.kbstar.com/ibn/bl_02.gif height="100%"></TD> <TD vAlign=center width=120> <TABLE cellSpacing=0 cellPadding=0 width=106 align=right border=0> <TBODY> <TR> <TD> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fibn%2Fproduct%2Fbtn_guide_01off.gif" border=0> </TD></TR> <TR> <TD height=10> <IMG height=10 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2F0.gif" width=1 border=0></TD></TR> <TR> <TD><A href="xxxxxxxxxxxxjavascript:investinternet_join();"> <IMG alt=인터넷신규가능 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fibn%2Fproduct%2Fbtn_guide_02.gif" border=0></A> </TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE> <IMG height=15 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2F0.gif" width=1><BR> <TABLE cellSpacing=1 cellPadding=0 width=625 bgColor=#707070 border=0> <TBODY> <TR bgColor=#e8e8e8> <TD class=c style="PADDING-LEFT: 5px" width=120 height=23>펀드유형</TD> <TD style="PADDING-LEFT: 5px" width=190 bgColor=#ffffff height=21>MMF</TD> <TD class=c style="PADDING-LEFT: 5px" width=120>펀드종류</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff>수익증권</TD></TR> <TR bgColor=#e8e8e8> <TD class=c style="PADDING-LEFT: 5px" height=23>펀드운용형태</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff height=21>이자소득형</TD> <TD class=c style="PADDING-LEFT: 5px">운용사</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff>KB자산운용</TD></TR> <TR bgColor=#e8e8e8> <TD class=c style="PADDING-LEFT: 5px" height=23>투자기간</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff height=21>단기형 / 1일이상</TD> <TD class=c style="PADDING-LEFT: 5px">판매개시일</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff>2003.03.14</TD></TR> <TR bgColor=#e8e8e8> <TD class=c style="PADDING-LEFT: 5px" height=23>결산일</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff height=21>매년 03.13</TD> <TD class=c style="PADDING-LEFT: 5px">판매종료일</TD> <TD style="PADDING-LEFT: 5px" bgColor=#ffffff>별도 판매종료 고시일까지</TD></TR></TBODY></TABLE> <TABLE height=15 cellSpacing=0 cellPadding=0 width=625 border=0> <TBODY> <TR height=15> <TD></TD> <TD></TD> <TD> <IMG height=1 src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2F0.gif" width=104></TD> <TD></TD> <TD></TD> <TD></TD></TR> <TR> <TD width=10></TD> <TD style="PADDING-TOP: 5px" vAlign=top width=8> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top width=104><B>가입대상</B></TD> <TD width=1 bgColor=#dbdbdb></TD> <TD width=10></TD> <TD vAlign=top width=490>개인 전용</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>가입금액</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>1백만원이상</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>거래방법</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>임의식</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>기준가격</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD align=right>(기준일자 : 2005.03.29)</TD></TR></TBODY></TABLE> <TABLE cellSpacing=1 cellPadding=0 width="100%" bgColor=#707070 border=0> <TBODY> <TR align=middle bgColor=#e8e8e8> <TD class=c width=75 height=43 rowSpan=2>기준가</TD> <TD class=c width=75 height=43 rowSpan=2>전일증감</TD> <TD class=c colSpan=4 height=21>누적수익률(%)</TD> <TD class=c rowSpan=2>최근 1개월<BR>기준가 변동추이</TD></TR> <TR align=middle bgColor=#e8e8e8> <TD class=c width=50 height=21>1개월</TD> <TD class=c width=50>3개월</TD> <TD class=c width=50>6개월</TD> <TD class=c width=50>12개월</TD></TR> <TR align=middle bgColor=#ffffff> <TD height=25>1001.17</TD> <TD height=21><FONT color=#ff0000>▲ </FONT>0.08</TD> <TD>0.0</TD> <TD>0.0</TD> <TD>-</TD> <TD>-</TD> <TD><A href="xxxxxxxxxxxxjavascript:investcall_1month('15010271','20050329');"> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbutton%2Fbtn_s_inquiry.gif" align=absMiddle border=0></A></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>환 매</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>- 당일 환매 <BR>- 일부 환매 가능</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>환매수수료</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>환매수수료 없음</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>유가증권평가</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>장부가평가</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>신탁보수</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>투자신탁 순자산총액의 연 0.64%</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>신탁재산운용</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>- 국공채, 회사채(A-이상) <BR>- 유동성자산(CP,CD,CALL,예금 등)</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>판매회사</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>국민은행</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>운용회사</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>KB자산운용</TD></TR> <TR> <TD colSpan=6 height=10></TD></TR> <TR> <TD></TD> <TD style="PADDING-TOP: 5px" vAlign=top> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_32.gif" align=absMiddle></TD> <TD class=c vAlign=top><B>인터넷신규</B></TD> <TD bgColor=#dbdbdb></TD> <TD></TD> <TD vAlign=top>인터넷뱅킹 가입고객은 인터넷으로 신규가 가능합니다. <A href="xxxxxxxxxxxxjavascript:investinternet_join();"></A></TD></TR></TBODY></TABLE> <TABLE cellSpacing=0 cellPadding=0 width=625 border=0> <TBODY> <TR> <TD height=15></TD></TR> <TR> <TD background=http://img.kbstar.com/ibn/bl_01.gif height=1></TD></TR> <TR> <TD height=10></TD></TR> <TR> <TD align=right> <TABLE cellSpacing=0 cellPadding=0 width=615 border=0> <TBODY> <TR vAlign=top> <TD style="PADDING-TOP: 5px"> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_33.gif" align=absMiddle></TD> <TD colSpan=2>본 상품은 증권투자신탁업(증권투자회사법)에 의하여 수탁회사(자산보관회사)에 안전하게 보관·관리되고 있으며,<BR>운용실적에 따라 이익 또는 손실이 발생될 수 있으며 그 결과는 투자자에게 귀속됩니다.</TD></TR> <TR> <TD colSpan=3 height=3></TD></TR> <TR vAlign=top> <TD style="PADDING-TOP: 5px" width=8> <IMG src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fimg.kbstar.com%2Fcommon%2Fbullet%2Fbu_33.gif" align=absMiddle></TD> <TD colSpan=2>수익증권을 취득하거나 증권투자회사 주식인수의 청약을 하기 전에 투자(신탁)설명서 또는 간이투자(신탁)</TD></TR> <TR vAlign=top> <TD height=23></TD> <TD>설명서를 읽어 보시기 바랍니다.</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></P>