1. It is easy to choose money market funds from the perspective of income. If it is short-term working capital investment, you can choose products with higher short-term returns according to the recent seven-day annualized rate of return or static annualized rate of return.

2. If the amount of funds is large and the allocation time is long, you can choose a money market fund with relatively high yield and stable performance in the past few years.

3. Looking at the timing of fund opening, the market generally believes that raising interest rates is beneficial to the overall income of money market funds and more beneficial to newly issued money market funds.

Money market fund (MMF) refers to an investment fund that invests in short-term securities in the money market (within one year, with an average term of 120 days). The assets of the Fund are mainly invested in short-term monetary instruments, such as treasury bills, commercial paper, bank time deposit certificates, short-term government bonds, corporate bonds and other short-term securities. Each fund is always maintained at 1 yuan. If it exceeds 1 yuan, the income will be automatically converted into fund shares on time, and you will have as many assets as you have fund shares. Other open-end funds have fixed shares and accumulated net unit value, and investors can only rely on the annual dividends of the fund to realize their income. There are several money market funds in the market, such as Hua 'an cash income, Bosera cash income, China Merchants cash appreciation, South China cash increase and Huaxia cash increase.