Money fund income should refer to the interest rate in the money market, which is generally calculated by seven-day annualized income, which can be considered as the best tool for short-term financial management. Free time limit, almost no risk.

Certificated government bonds need to be held for a certain period of time, usually three to five years. It can be understood as medium and long-term periodicity.

The term of pure debt fund is between the two, generally held for more than one month, and can also be held for a long time. See the trend of bond interest rate for specific income. Good years can reach more than 6%, and poor years may also suffer a slight loss.

At present, it is recommended to hold money funds, and the interest rate of pure debt funds is not low and more flexible.

In addition, the enhanced bond fund means that in addition to holding bonds, the fund can also hold a small number of stocks and participate in shaking new shares. Relatively speaking, the risk is higher than that of pure debt-based gold, but the return is better in theory.

Bond funds generally have two charging methods, one is subscription and redemption fees. One is to pay management fees every year. Under normal circumstances, the management fee is paid less than two years for comparative accounting. If it is more than two years, the first charging method is recommended.