JPMorgan US Government Money Market 定投收益计算器
测算 JPMorgan US Government Money Market 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Money Market (US)
资产规模 (AUM)
$231.04 Billion
管理费率 (Expense Ratio)
0.17%
基金经理
Christopher Mercy, Robert Motroni & Christopher Tufts
JPMorgan US Government Money Market 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 4.9% CAGR | 5 年期 @ 3.3% CAGR | 10 年期 @ 2.1% CAGR |
|---|---|---|---|
| $100/月 | $3,886 累计投入: $3,600 | $6,526 累计投入: $6,000 | $13,356 累计投入: $12,000 |
| $250/月 | $9,715 累计投入: $9,000 | $16,316 累计投入: $15,000 | $33,391 累计投入: $30,000 |
| $500/月 | $19,430 累计投入: $18,000 | $32,632 累计投入: $30,000 | $66,782 累计投入: $60,000 |
| $1,000/月 | $38,860 累计投入: $36,000 | $65,265 累计投入: $60,000 | $133,565 累计投入: $120,000 |
| $2,500/月 | $97,149 累计投入: $90,000 | $163,162 累计投入: $150,000 | $333,912 累计投入: $300,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 JPMorgan US Government Money Market Fund Capital Shares
JPMorgan U.S. Government Money Market Fund (Capital Class) is one of the world's largest institutional cash management portfolios. It invests exclusively in short-term US government securities and repo agreements to provide high liquidity and a stable $1.00 NAV.
投资策略与运作方式
Government Money Market Strategy — Invests at least 99.5% of total assets in cash, US government securities, and repurchase agreements collateralized by government securities, focusing on capital preservation and daily liquidity.
核心亮点与产品特征
- Maintains a stable $1.00 net asset value (NAV) per share
- Total fund assets over $349 Billion
- Low 0.17% net expense ratio for Capital class shares
- Over 30-year track record since 1993
历史年化收益表现 (CAGR)
近3年年化
4.91% (Compound Yield)
近5年年化
3.27% (Compound Yield)
近10年年化
2.09% (Compound Yield)
业绩基准
Crane Government Money Fund Index
Money market funds are not FDIC insured.
前五大核心持仓与行业分布
根据最新公开披露，JPMorgan US Government Money Market 的核心持仓与资产配置如下：
前五大重仓资产
- U.S. Treasury Bills & Notes (~55-65%)
- U.S. Government Agency Repurchase Agreements (~35-45%)
- Cash Equivalents (<1%)
行业板块分布
U.S. Treasury Debt 57.8%, Government Agency Repos 41.9%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility seeking continuous $1.00 share value.
Maintained uninterrupted $1.00 NAV throughout historical market cycles.
交易规则与税费说明
Distributions are taxable federally. Treasury percentage is exempt from state/local taxes.
哪些投资者不适合投资 JPMorgan US Government Money Market？
Long-term investors seeking capital growth or equity returns.
基金经理简介
Managed by JPMorgan Global Liquidity team: Christopher Mercy, Robert Motroni, and Christopher Tufts.
适合哪些投资者？
Ideal for institutional clients, corporations, wealth management accounts, and conservative savers seeking high liquidity and capital security.
同类别及相关推荐基金
同类别备选基金
- Goldman Sachs FS Government Fund (FGTXX)
- Vanguard Federal Money Market Fund (VMFXX)
- Fidelity Institutional Government Portfolio (FRGXX)
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
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常见问题解答 (FAQ) — JPMorgan US Government Money Market
JPMorgan US Government Money Market 的历史定投回报表现如何？
根据交易所公开历史数据，JPMorgan US Government Money Market 近3年年化回报率为 4.91% (Compound Yield)，近5年年化为 3.27% (Compound Yield)，近10年年化为 2.09% (Compound Yield)。 Money market funds are not FDIC insured.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 $500，5年后大约能积累多少资产？
按年化复合回报率 3.27% 测算，每月定投 $500（5年累计投入本金 $30,000），5年后预期期末总资产约为 $32,632，预期资产增值收益约为 $2,632。您可以使用上方计算器输入自定义金额与年份测试。
JPMorgan US Government Money Market 的前几大重仓资产包含哪些？
JPMorgan US Government Money Market 的核心重仓包括 U.S. Treasury Bills & Notes (~55-65%)、U.S. Government Agency Repurchase Agreements (~35-45%)、Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Debt 57.8%, Government Agency Repos 41.9%, Cash Equivalents 0.3%。
JPMorgan US Government Money Market 的投资风险等级如何？
Near-zero NAV volatility seeking continuous $1.00 share value. 本基金可能不适合 Long-term investors seeking capital growth or equity returns.
投资该基金有哪些税费或交易成本？
Distributions are taxable federally. Treasury percentage is exempt from state/local taxes.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情
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