Money funds mainly invest in money market products due within one year, such as treasury bonds repurchase, short-term central bank bills, treasury bonds within one year, short-term lending, etc., and their yields are higher than demand deposits, usually not higher than time deposits during the same period.

Monetary funds are highly liquid. Your situation is a long-term investment, and it seems that you don't need to realize it often, so it is not suitable for being a money fund.

If prices rise, the overall market interest rate will also rise, and the yield of money funds will also rise, but it is still unlikely to fight inflation.