Monetary funds generally have the following characteristics: 1. High safety: They are a low-risk variety of securities investment funds, and principal losses rarely occur. Therefore, they are often regarded by customers as a product that replaces savings, but there is no stipulation in the fund contract.

Guarantee the safety of the principal; 2. High liquidity: the funds after redemption are received faster than other types of funds. Some monetary funds have launched a quick redemption business, and the funds after redemption are received in real time; 3. Stable income: daily compound interest calculation

Earnings are carried forward regularly; 4. Low investment costs: Monetary funds generally have no application and redemption fees.