Personally, I prefer money funds, because money funds are more flexible and need to be fixed for a certain period of time, that is, during this period, you can't redeem them or operate them. If you are rich, I think it may be better to be regular than a money fund. Because his general income will be higher than that of the money fund. Because the money fund is more flexible and I often need money, I think the money fund is more suitable for me. If you don't use money often, the regular relative income will be higher than that of the money fund.