1. Choose a fund with a high proportion of retail investors. The higher the ratio, the safer the fund will be.

2. When choosing medium-sized funds, the performance of large-scale funds is usually unsatisfactory. For example, the yield of Yu 'ebao is very low recently.

3. At the end of the month, the end of the season or the end of the year, the funds in the market will be relatively tight, so the yield of the money fund at these time points will be relatively high, which is the best time to buy.