If the investment period is more than half a year, you can consider replacing the money fund with debt base, which will have higher returns and greater risks. It is not recommended to replace all the cargo bases with debt bases, and leave some money funds for emergency use. The average annual income of bond funds will not exceed 10%, and 6%-7% is good. It is expected that it will be more acceptable if it is lower.

Whether you are conservative or not depends on your investment period and risk tolerance. There is no distinction between good and bad. It is suggested to do a risk tolerance test first. If you lose 20%, you can't sleep. What is wrong with being conservative? The basic idea of investment fund is to choose the one that suits you best (risk, investment period), rather than picking the one with the highest return.