Invest for one day and earn eight days of returns! The National Day holiday financial strategy is here. The most complete guide to earning passive income over the 7-day National Day break is here! 100,000 yuan can earn 35 yuan. As the 2026 National Day long holiday approaches, the A-share market has already entered "holiday mode" ahead of schedule. On September 29, the market fluctuated upward in early trading and turned positive across the board. Overall, more stocks rose than fell in the two markets, with over 4,000 stocks advancing. As of the midday close, the Shanghai Composite Index stood at 3,826.51 points, up 0.08%, the Shenzhen Component Index stood at 12,911.78 points, up 0.41%, and the ChiNext Index stood at 3,150.37 points, up 0.34%.

During the 7-day long holiday, the stock market is closed, but funds can absolutely "keep working." How can idle funds "earn passively" during the holiday? Below is the most comprehensive strategy compiled based on current market data.

Key Time Window: Before 15:30 on September 29

This year, only three trading days remain before the National Day holiday: September 28, 29, and 30. The most critical operational timing is before 15:30 on September 29 (Tuesday)—this is the golden window for achieving "1 day of investment, 8 days of returns." Reverse repurchases of government bonds accrue interest based on the actual number of days the funds are occupied, and long holidays present a window for "picking up interest." According to brokerage app data, operating 1-day reverse repurchases of government bonds (GC001/R-001) before 15:30 on September 29 allows investors to enjoy 8 days of interest accrual, with funds arriving and becoming available before the market opens on September 30. For 100,000 yuan in funds, calculated at the current annualized yield of approximately 1.48%, investors can earn about 32 yuan, while demand deposits would earn only about 1 yuan over the same period. If investors wait until September 30 to act, 1-day reverse repurchases would only accrue 1 day of interest, and the National Day holiday returns would be completely missed.

Advanced Strategy: "Reverse Repurchase + Short-Term Bond ETF" for Double Returns

For investors with idle funds in their stock accounts, there is also a "one principal, double returns" strategy. Step one: before 15:30 on September 29, operate 1-day reverse repurchases of government bonds to enjoy 8 days of interest, with funds arriving and becoming available before the market opens on September 30. Step two: after funds arrive on September 30, buy the Government Bond and Policy Bank Bond ETF (511580). The fund's underlying assets are entirely government bonds and policy bank bonds, with credit risk close to zero. The tracked index has a duration of only 1.3 years, T+0 trading, and bond interest continues to accumulate during the holiday. On the first trading day after the holiday (October 8), investors can sell or continue holding, achieving "continuous coupon income during the holiday and flexible exit after the holiday." It should be noted that if the ETF is heavily speculated before the holiday and its price fluctuates abnormally, there may be a risk of price decline after the holiday. If concerned about this risk, simply operating reverse repurchases is sufficient.

Money Market Funds and Bank Wealth Management: Different Rules, Safest Before 15:00 on September 29

If investors prefer not to bother with a stock account, money market funds and bank wealth management products are also good options, but the rules are more complex. Money market funds: subscriptions are confirmed on a T+1 basis, so subscriptions must be completed before 15:00 on September 29, with shares confirmed on September 30, to ensure that holiday returns from October 1 to 7 are not missed at all. Bank wealth management products: cash management products typically need to be purchased before 15:00 on September 29 (some before 15:30 or 17:00); other wealth management products can be purchased on September 30, but most require purchases before 17:00 to enjoy the 7-day National Day returns. Rules vary significantly across different products, so the safest approach is to complete purchases before 15:00 on September 29.

Market Background: Bond ETFs Enter the "Trillion Era"

Behind this holiday financial management boom is the explosive growth of bond index investing. As of the end of September 2026, the total scale of bond ETFs across the market exceeded 1.01 trillion yuan, officially entering the "trillion era." Taking the Government Bond and Policy Bank Bond ETF (511580) as an example, the fund saw a single-day net inflow of approximately 1.93 billion yuan on September 24, with its scale exceeding 10.3 billion yuan, making it a hundred-billion-level bond ETF product. Its annualized volatility over the past 3 years was only about 0.37%, significantly lower than the 0.84% level of the bond fund index. Its average daily turnover this year was approximately 2.859 billion yuan, indicating ample liquidity. Analysis suggests that rising risk aversion before the long holiday, combined with external uncertainties, has driven large-scale migration of funds from high-volatility equity assets to low-volatility bond ETFs. For investors seeking stability, the "reverse repurchase + short-term bond ETF" combination allows them to enjoy holiday interest accrual while maintaining post-holiday flexibility, making it a relatively ideal cash management solution under current market conditions.

Final Reminder: Markets Carry Risks, Invest with Caution

Reverse repurchase rates are subject to real-time exchange quotes, and product subscription and redemption rules are subject to announcements from respective financial institutions. Seize the critical timing before 15:30 on September 29 to keep your money working during the National Day long holiday even when you are at rest. Note: AI-assisted generation. Markets carry risks, invest with caution.