Choosing a large-scale fund, the advantages of large-scale products outweigh the disadvantages for money funds. As a short-term liquidity management tool for investors, money funds will be frequently purchased and redeemed. Large cargo bases can cope with daily redemption by holding relatively little cash. In order to cope with redemption, smaller money funds often hold a higher proportion of cash, so the funds used for investment will be relatively small and the income will be reduced. Pay attention to buying money funds: 1) Of course, the income is better, and it is best to stay in the top position, because sometimes the fund manager can sell bonds for a period of time with high short-term income, but the continuous performance is better, which depends on the fund manager's ability to judge the macro economy, grasp the investment opportunities and the comprehensive strength of the fund company. 2) The portfolio is stable, and you can look at the analysis report of professionals in this field. 3) Interest-bearing time. Some money funds buy on Friday and start to make profits on Saturday. For example, Huaan Cash Fuli, while others don't, you should ask clearly in advance. 4) arrival time.