购买货币基金时应坚持“买旧不买新、买高不买低、就短不就长”的原则，尤其是 在经济敏感时期，这几条原则是投资货币基金市场的座右铭。首先，购买货币基金时 应优先考虑老基金，因为经过一段时间的运作，老基金的业绩已经明朗化了，可新发 行的货币基金能否取得良好的业绩却需要时间来验证。同时，投资者应尽量选择年收 益率一直名列前茅的高收益的货币基金类型。但是，也要记得货币基金比较适合打理 活期资金、短期资金或一时难以确定用途的临时资金，对于一年以上的中长期不动资 金，则应选择国债、人民币理财、债券型基金等收益更高的理财产品。 下面从万分收益、成立时间、年华收益进行对比，综合三方面选择成立时间久业 绩优异、稳定，且基金公司品牌价值度高的综合收益性货币基金。 万分收益对比图：基金代码基金简称最新日期每万份收益7 日年化收益近三个月成立以来530002建信货币2012-11-064.93149.76200.98%21.08%200003长城货币 A2012-11-061.40663.32500.78%21.43%121011国投货币 A2012-11-061.27023.54300.82%9.82%202301南方现金增利 A2012-11-061.19784.10700.91%28.38%020007国泰货币2012-11-061.15853.13800.72%19.83%080016长盛添利 30 天理财债券 A2012-11-061.14084.26200.13%202303南方理财 14 天 A2012-11-061.12873.38300.62%040003华安现金富利 A2012-11-061.12654.06900.84%26.78%350004天治天得利货币2012-11-061.09973.40600.79%19.73%485120工银 14 天理财债券发起 A2012-11-061.07734.11000.10%040033华安双月鑫短期理财债券 A2012-10-241.07330.00000.56%0.75%110006易方达货币 A2012-11-061.07303.91000.91%23.69%001057华夏理财 30 天债券型 A2012-11-021.07203.91400.02%050003博时现金收益2012-11-061.06654.25300.94%28.45%482002工银瑞信货币2012-11-061.06613.54900.81%20.55%040028华安月月鑫短期理财债券 A2012-11-061.04980.00000.49%1.05%360019光大保德信添天盈季度理财 A2012-11-061.01123.76000.12%成立时间收益对比图：基金代码基金简称最新日期每万份收益7 日年化收益近三个月成立以来050003博时现金收益2012-11-061.06654.25300.94%28.45%003003华夏现金增利2012-11-060.52553.29700.87%28.38%202301南方现金增利A2012-11-061.19784.10700.91%28.38%519999长信利息收益A2012-11-060.97213.39200.92%28.01%040003华安现金富利A2012-11-061.12654.06900.84%26.78%217004招商现金增值A2012-11-060.87563.27200.84%25.60%070008嘉实货币2012-11-060.56663.14400.83%25.39%519505海富通货币 A2012-11-060.89403.14700.87%25.38%290001泰信天天收益2012-11-060.76282.74300.80%25.31%288101中信现金优势2012-11-060.91633.35600.86%25.31%110006易方达货币 A2012-11-061.07303.91000.91%23.69%519508万家货币2012-11-060.91683.90600.92%23.36%163802中银货币 A2012-11-060.94303.78600.88%23.14%150005银河银富货币A2012-11-060.85103.91900.86%23.05%160606鹏华货币 A2012-11-060.96674.95900.87%22.29%270004广发货币 A2012-11-060.89493.45000.87%22.20%320002诺安货币 A2012-11-060.88793.36400.87%22.15%090005大成货币 A2012-11-060.91553.35100.80%21.68%240006华宝兴业现金宝 A2012-11-060.83073.32500.84%21.50%200003长城货币 A2012-11-061.40663.32500.78%21.43%410002华富货币2012-11-060.91315.56000.93%21.39%530002建信货币2012-11-064.93149.76200.98%21.08%161608融通易支付货币 A2012-11-060.80033.28100.80%21.05%180008银华货币 A2012-11-060.66814.97600.82%20.95%080011长盛货币2012-11-060.83793.00700.83%20.58%482002工银瑞信货币2012-11-061.06613.54900.81%20.55%360003光大保德信货币2012-11-060.82043.01900.80%20.53%519518汇添富货币 A2012-11-060.89194.20000.87%20.20%7 日年华收益对比图：基金代码基金简称最新日期每万份收益7 日年化收益近三个月成立以来530002建信货币2012-11-064.93149.76200.98%21.08%410002华富货币2012-11-060.91315.56000.93%21.39%180008银华货币 A2012-11-060.66814.97600.82%20.95%160606鹏华货币 A2012-11-060.96674.95900.87%22.29%400005东方金账簿2012-11-060.89324.95400.90%19.80%080016长盛添利 30 天理财债券 A2012-11-061.14084.26200.13%050003博时现金收益2012-11-061.06654.25300.94%28.45%519518汇添富货币 A2012-11-060.89194.20000.87%20.20%100025富国天时货币 A2012-11-060.83934.16100.83%18.87%485120工银 14 天理财债券发起 A2012-11-061.07734.11000.10%202301南方现金增利 A2012-11-061.19784.10700.91%28.38%040003华安现金富利 A2012-11-061.12654.06900.84%26.78%150005银河银富货币 A2012-11-060.85103.91900.86%23.05%001057华夏理财 30 天债券型 A2012-11-021.07203.91400.02%110006易方达货币 A2012-11-061.07303.91000.91%23.69%519508万家货币2012-11-060.91683.90600.92%23.36%163802中银货币 A2012-11-060.94303.78600.88%23.14%360019光大保德信添天盈季度理财 A2012-11-061.01123.76000.12%470060汇添富理财 60 天债券 A2012-11-060.79493.70400.64%0.97%270014广发货币 B2012-11-060.96093.68900.93%11.70%485118工银 7 天理财债券 A2012-11-060.95893.64800.68%380003中银理财 60 天债券 A2012-11-060.97923.62000.12%从三方面综合对比看：202301202301南方现金增利南方现金增利 A A2012-11-062012-11-061.19781.19784.10704.10700.91%0.91%28.38%28.38%050003博时现金收益2012-11-061.06654.25300.94%28.45%040003华安现金富利 A2012-11-061.12654.06900.84%26.78%110006易方达货币 A2012-11-061.07303.91000.91%23.69%519508万家货币2012-11-060.91683.90600.92%23.36%410002华富货币2012-11-060.91315.56000.93%21.39%400005东方金账簿2012-11-060.89324.95400.90%19.80%530002建信货币2012-11-064.93149.76200.98%21.08%160606鹏华货币 A2012-11-060.96674.95900.87%22.29%