<![CDATA[
<p><span class="masha_index masha_index3" rel="3"></span><strong><font color="#0000ff">▷ MMF vs MMDA vs CMA</font></strong><span class=" short_linebreak"><br></span> <strong><font color="#cc00ff">* 실세금리</font><span class=" short_linebreak"><br></span></strong> ㆍ자금시장의 수요와 공급에 의해 결정 <span class=" short_linebreak"><br></span><span class="masha_index masha_index4" rel="4"></span> ㆍ3년 만기 국고채 수익률, CD(91일)유통수익률, 콜금리(1일) <span class=" short_linebreak"><br></span><span class="masha_index masha_index5" rel="5"></span> ㆍ연수익률 : 3.5% ~ 6% <span class=" short_linebreak"><br></span><span class="masha_index masha_index6" rel="6"></span> ㆍMMF, CMA = 실세금리 +- a <span class=" short_linebreak"><br></span><strong><font color="#cc00ff"><span class="masha_index masha_index7" rel="7"></span>* 단기자금관리 상품</font></strong> <span class=" short_linebreak"><br></span><strong><span class="masha_index masha_index8" rel="8"></span>1. MMF(Money Market Fund)</strong> <span class=" short_linebreak"><br></span><span class="masha_index masha_index9" rel="9"></span> ㆍ상당히 안정적인 채권, 어음에 투자 <span class=" short_linebreak"><br></span><span class="masha_index masha_index10" rel="10"></span> ㆍ만기가 얼마 남지 않은 상품에 투자 <span class=" short_linebreak"><br></span><span class="masha_index masha_index11" rel="11"></span> ㆍ환매수수료가 없음 <span class=" short_linebreak"><br></span><span class="masha_index masha_index12" rel="12"></span> ㆍ당일 환매금 지급(개인 투자자의 경우) <span class=" short_linebreak"><br></span><span class="masha_index masha_index13" rel="13"></span> ㆍ몇 일을 넣든, 얼마를 넣든 모든 투자자에게 동일한 수익. <span class=" short_linebreak"><br></span><span class="masha_index masha_index14" rel="14"></span> ㆍCMA, MMT, MMDA : 가입금액의 규모, 가입기간에 따라 다른 이자, 수익 <span class=" short_linebreak"><br></span><strong><span class="masha_index masha_index15" rel="15"></span>2. CMA(Cash Management Account. 종합자산관리계좌)</strong> <span class=" short_linebreak"><br></span><span class="masha_index masha_index16" rel="16"></span> ㆍ은행계좌 + 증권사계좌 <span class=" short_linebreak"><br></span><span class="masha_index masha_index17" rel="17"></span> ㆍ결제서비스 - 자금이체, 카드결제, 공과금납부 <span class=" short_linebreak"><br></span><span class="masha_index masha_index18" rel="18"></span> ㆍ투자서비스 - 증권투자 <span class=" short_linebreak"><br></span><span class="masha_index masha_index19" rel="19"></span> ㆍ제휴상품 할인, 포인트적립, 계좌이체 수수료 면제 등 부가혜택 <span class=" short_linebreak"><br></span><strong><span class="masha_index masha_index20" rel="20"></span>3. MMT(Money Market Trust)<span class=" short_linebreak"><br></span></strong> ㆍ당일환매 가능 <span class=" short_linebreak"><br></span><span class="masha_index masha_index21" rel="21"></span> ㆍ특정금전신탁의 하나로 콜론으로 돈을 버는 상품 <span class=" short_linebreak"><br></span><span class="masha_index masha_index22" rel="22"></span> ㆍ콜금리로 은행이 다른 은행에 돈을 빌려주고 이자를 벌어들임 <span class=" short_linebreak"><br></span><span class="masha_index masha_index23" rel="23"></span> ㆍ수시입출금가능 <span class=" short_linebreak"><br></span><span class="masha_index masha_index24" rel="24"></span> ㆍ3.5% ~ 5.5% <span class=" short_linebreak"><br></span><span class="masha_index masha_index25" rel="25"></span> ㆍ월초에 정한 금리 +- a <span class=" short_linebreak"><br></span><span class="masha_index masha_index26" rel="26"></span> ㆍ최저가입금액 큼 → 소액투자자 불리 <span class=" short_linebreak"><br></span><strong><span class="masha_index masha_index27" rel="27"></span>4. MMDA(Money Market Deposit Account)<span class=" short_linebreak"><br></span></strong> ㆍ확정금리형 <span class=" short_linebreak"><br></span><span class="masha_index masha_index28" rel="28"></span> ㆍ5,000만원 한도 내에서 보호 받음 <span class=" short_linebreak"><br></span><span class="masha_index masha_index29" rel="29"></span> ㆍ이율 : 다른 상품에 비해 다소 낮은 편 <span class=" short_linebreak"><br></span><strong><font color="#cc00ff"><span class="masha_index masha_index30" rel="30"></span>* 상품비교</font></strong> <span class=" short_linebreak"><br></span><span class="masha_index masha_index31" rel="31"></span> - MMF : 실적 배당 연 3.5% ~ 5.5% <span class=" short_linebreak"><br></span><span class="masha_index masha_index32" rel="32"></span> - CMA : 실적 배당 연 3.5% ~ 5.5% <span class=" short_linebreak"><br></span><span class="masha_index masha_index33" rel="33"></span> - MMT : 월초에 정한 확정금리 연 3.5% ~ 5.5% <span class=" short_linebreak"><br></span><span class="masha_index masha_index34" rel="34"></span> - MMDA : 확정금리 연 2.5% ~ 3% → 예금자 보호됨 <br></p>
<!-- -->
]]>
