I think the focus of your question is how to preserve the value of your assets. Then, first understand the concept of asset preservation. My understanding is not that the money fund's income is higher than that of time deposits, and there is no risk, so it must be a hedge. Because the goal of hedging is, first of all, that the rate of return on assets should be greater than the inflation rate (that is, the CPI index), that is, your income level should be greater than the level of price increase in order to be considered as hedging. Assuming that the money fund can achieve a yield of 3%, and the price increase is expected to be so strong at this stage, assuming that the CIP index reaches 4%, then your actual purchasing power of money is also the income of negative interest rate, so you have not achieved the goal of real preservation.