Theoretically, because money funds generally invest in valuable bonds such as bank certificates of deposit and national debt, the investment risk of money funds is relatively low.

But the money fund is managed by a fund company, which may go bankrupt. However, there is generally no debt evasion in Public Offering of Fund. If the fund goes bankrupt, it will be liquidated. If you are worried about the risk of investing in money funds, it is better and safer to choose the products of larger fund companies.

If you are still worried about risks, you can choose bank time deposits and demand deposits, both of which are guaranteed.