The specific choice is related to the investor's own liquidity demand. If liquidity requirements are high, money market funds should be chosen. The other is the requirement for yield. Short-term wealth management products are basically low-yield and low-risk varieties, but there are also income differences among varieties. Generally speaking, varieties with higher expected returns are relatively more risky. In addition to the comparison of liquidity and yield, investors also consider the comparison of redemption rate and the screening of potential risks.

(1), liquidity. Generally speaking, short-term financial management funds are regularly open for redemption. At present, there are many short-term financial funds with different maturities on the market. There are short-term financing funds with different maturities such as 7 days, 14 days, 28 days, 30 days, 60 days and 90 days. Investors should choose different short-term financial funds according to their own liquidity needs.

(2) rate of return. Short-term wealth management products are basically low-yield and low-risk varieties, but there are also income differences. Generally speaking, the risk of varieties with higher expected returns is relatively high.

(3) Varieties with rolling investment can be given priority. At present, there are two investment modes of short-term financial management funds, one is the rolling investment mode represented by Huitianfu, and the other is the regular liquidation mode of Huaan. At present, most short-term financial funds in the market invest in the former, because rolling investment can be applied to long-term investment, which is more conducive to income. However, the Hua 'an model is full liquidation of each period, which is not conducive to improving income, but has clear expected income. From the perspective of investment income, varieties that can be invested in a rolling way can be given priority.

Short-term financial management funds have strict restrictions on the variety and duration of their own investments, and cannot invest in A shares and convertible bonds. You can only invest in short-term high-security varieties such as central bank bills, short-term financing bills and agreement deposits within 397 days. So the risk is very low, equivalent to a money fund. In addition, compared with the bank's wealth management products, short-term wealth management funds have another advantage, that is, their operation will be more transparent. Because it is a fund custody, the data of the fund's seven-day annualized rate of return and other yield data will be published every day.

How to choose short-term fund financing products? Like many other types of investment products, it may be related to investors' personal economic strength, preferences and even personality characteristics.