If it is confirmed that it can be deposited for three years, the income of depositing in a bank should be higher than that of buying a money fund. At present, the annual interest rate of three-year time deposit is 4.25%.

At present, the annualized income of most money funds is equivalent to or slightly higher than 3.0% of one-year time deposits, and some can reach 3.8-4.0.

However, if you are likely to realize it in less than three years, it can only be a current account, which is obviously more reliable for the money fund.