Judging from the annual rate of return alone, there is little difference between the two. Taking the past 12 months as an example, the interest rate of one-year time deposit is around 2.5%, and the highest rate of return of money fund is 2.9%, and the lowest rate exceeds 1%. Fortunately, the money fund can purchase and redeem at any time and enjoy the convenience of current and regular income; However, if the time deposit has not expired, it can only be calculated at the current interest rate.

However, you can also consider buying low-risk bond funds, with higher returns than money funds, depending on your understanding and confidence in the market. Buy a money fund if you lose money. Ten thousand dollars a year, you have to earn four or five hundred dollars. The bank pays interest regularly for one year before 300 yuan.

The characteristic of wealth management products is that risks and benefits coexist! In fact, any investment is risky, even the simplest bank deposit has the risk of not winning the price increase and leading to negative interest rate!