Hello, the money fund does not promise to protect the capital. However, if the monetary fund wants to lose its principal, it must meet two conditions at the same time, and the probability of these two extreme situations happening simultaneously is very small.

First, the market yield rose sharply in the short term, which led to a sharp drop in securities prices;

Second, money funds are redeemed in large quantities at the same time, and bonds with falling prices cannot be held at maturity, resulting in actual losses after selling bonds.

According to the calculation, the possibility of a single-day monetary fund principal loss is about 0.06 1 17%.

If you hold it for a week or a month, the probability of principal loss is close to zero.

With the extension of holding period, the loss probability caused by market risk will drop to zero. Judging from the historical data, since the emergence of the Monetary Fund in 10, there have been only a handful of single-day losses in the domestic market, and losses for more than two days have never occurred.

It is better to break even if you don't break even. It is also the case that the money fund has always enjoyed the reputation of "quasi-savings"

The answer is not easy. If it helps, please adopt it.