As long as it is an investment, there are risks. Money fund is the lowest risk of all funds, similar to bank deposits, and it is more convenient for funds to enter and leave than deposits. Of course, the yield is also relatively low, higher than the deposit interest rate, and a good fund can have three to four times the deposit interest rate. Money funds have low risks and low returns, far lower than stock funds and hybrid funds in the bull market. However, in a bear market, they are still very suitable for buying. If you don't want to hold it for the time being, you can sell it immediately and rarely lose money. It is one of the cash management tools.