1. Guojin Jintengtong currency, the seven-day annualized return rate is 4.06%; 2. China Universal Cash Treasure, the seven-day annualized return rate is 3.317%; 3. Penghua value-added package 3.519% ; 4. Universal Cash Treasure 3.317%; 5. Harvest Salary Treasure 2.683%; 6. Prudential Salary Treasure 2.622%; 7. Harvest Live Wallet 2.613%; 8. ICBC Currency 2.524%; 9. Southern Cash Profit Increase A, 2.388%; 10. GF Tiantianhong, 2.32%.

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1. A currency fund is an open-end fund that gathers idle funds from society, is operated by a fund manager, and is kept by a fund custodian. It is specially invested in the currency market with low risks. It is a tool that is different from other types of open-end Youshi funds, with high security, high liquidity, stable profitability, and the characteristics of "quasi-savings". From the early 1970s to the 1980s, the United States was in a "stagflation" environment of economic recession and high inflation. At that time, the Federal Reserve controlled bank deposit interest rates, and residents' deposit interest rates were lower than the inflation rate, so deposits have been depreciating. In order to attract funds, banks offer large time deposit certificates with interest rates higher than the inflation rate. However, the initial amount of this kind of time deposit certificate is relatively large, often with one hundred thousand or one million US dollars as the minimum investment unit. Only a few institutional investors have enough cash to make such an investment.

2. Monetary fund assets mainly invest in short-term monetary instruments, such as treasury bonds, central bank bills, commercial paper, bank certificates of deposit, short-term government bonds, corporate bonds, interbank deposits and other short-term securities. In fact, the above-mentioned money market funds invest in varieties with high safety factors and stable returns. Therefore, for many companies and individuals who want to avoid securities market risks, money market funds are a natural haven. Under normal circumstances, You can obtain income higher than the interest on bank deposits, but monetary funds do not guarantee the safety of the principal.

3. Features: 1. The safety of the principal: The investment types of most money market funds determine that they have the lowest risk among all types of funds. Money fund contracts generally do not guarantee the safety of the principal. However, in fact, due to the nature of the fund, This proves that monetary funds rarely suffer principal losses in reality. Generally speaking, money funds are regarded as cash equivalents. 2． Strong capital flow: Liquidity is comparable to demand deposits. Funds are easy to buy and sell, the funds arrive in your account in a short time, and their liquidity is very high. Generally, funds can arrive in your account within one or two days of fund redemption. At present, fund companies have opened instant redemption services for currency funds, and funds can be deposited on the same day.

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