银华日利交易型货币市场基金 SIP Calculator
Calculate historical returns and project future compounding for 银华日利 ETF. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
现金管理 / 场内货币
AUM
¥1,420 亿元
Expense Ratio
0.30%
Fund Manager
王树娟
银华日利 ETF Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 8.5% CAGR | 5 Years @ 7.2% CAGR | 10 Years @ 9.1% CAGR |
|---|---|---|---|
| ¥200/mo | ¥8,226 Invested: ¥7,200 | ¥14,479 Invested: ¥12,000 | ¥39,218 Invested: ¥24,000 |
| ¥500/mo | ¥20,566 Invested: ¥18,000 | ¥36,198 Invested: ¥30,000 | ¥98,044 Invested: ¥60,000 |
| ¥1,000/mo | ¥41,132 Invested: ¥36,000 | ¥72,397 Invested: ¥60,000 | ¥196,088 Invested: ¥120,000 |
| ¥2,000/mo | ¥82,264 Invested: ¥72,000 | ¥144,793 Invested: ¥120,000 | ¥392,176 Invested: ¥240,000 |
| ¥5,000/mo | ¥205,660 Invested: ¥180,000 | ¥361,983 Invested: ¥300,000 | ¥980,439 Invested: ¥600,000 |
* Projections calculated using actual historical 3-year (8.5%), 5-year (7.2%), and 10-year (9.1%) performance data. Actual mutual fund returns fluctuate with market NAV.
About 银华日利交易型货币市场基金
中国境内规模领先的场内货币ETF，专为股票投资者闲置保证金提供日日计息、按日结算的高流动性低风险现金增值工具。
Investment Strategy
主要投资于高信用等级同业存单、银行大额定期存单、央行逆回购及高等级短期融资券，本金安全性极高。
Key Facts
- 上交所场内规模超千亿的旗舰货币ETF
- T+0灵活交易：当天买入即享收益，当天卖出资金即刻可买股票
- 可作为股票质押融资融券保证金（折算率高达90%）
Historical Returns
3-Year CAGR
8.50%
5-Year CAGR
7.20%
10-Year CAGR
9.10%
Benchmark
银行间同业拆借利率 (7天)
过往业绩不代表未来表现。货币基金不等于银行存款，不保证保本付息。
Top Holdings & Sector Allocation
As of September 2026, 银华日利 ETF's portfolio includes:
Top 5 Holdings
- 银行同业存单
- 央行逆回购协议
- 政策性银行短期金融债
- AAA级超短期融资券
Sector Allocation
银行定期存款 54%, 逆回购协议 32%, 短期信用债 14%
Who Is This Fund Suitable For?
证券账户闲置资金管理、规避市场剧烈震荡、等待优质买点的稳健型避险资金。
Similar Funds to Consider
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for 银华日利 ETF Investors
- FIRE Calculator — Plan your retirement corpus with 银华日利 ETF as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in 银华日利 ETF could cost you
- SIP vs EMI Calculator — Compare investing in 银华日利 ETF vs paying off loans
Frequently Asked Questions About 银华日利 ETF
What is the historical SIP return of 银华日利 ETF?
Based on the latest data, 银华日利 ETF has delivered an annualized return (CAGR) of 8.50% over 3 years, 7.20% over 5 years, and 9.10% over 10 years. Past performance does not guarantee future results.
How is 银华日利 ETF SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ¥1,000 monthly SIP in 银华日利 ETF generate over 5 years?
At an estimated annual return rate of 7.2%, a monthly ¥1,000 investment (¥60,000 total invested) would grow to approximately ¥72,397 in 5 years, yielding an estimated wealth gain of ¥12,397. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in 银华日利 ETF?
银华日利 ETF's top holdings include 银行同业存单, 央行逆回购协议, 政策性银行短期金融债, and AAA级超短期融资券. The fund's sector allocation is 银行定期存款 54%, 逆回购协议 32%, 短期信用债 14%.
What is the risk profile of 银华日利 ETF?
银华日利 ETF is a 现金管理 / 场内货币 fund with moderate to high risk depending on market conditions. Investors should assess their risk tolerance before investing..
What are the tax implications of investing in 银华日利 ETF?
In mainland China, trading domestic ETFs via secondary exchange accounts is exempt from stamp duty and dividend withholding is subject to standard mutual fund tax policies.
Data last updated: September 2026 | Fund data sourced from SSE, SZSE and official public disclosures
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