Most money market funds have the lowest risk among all kinds of funds, and money fund contracts generally do not guarantee the safety of principal, but in fact, due to the nature of funds, money funds rarely lose principal in reality. Generally speaking, money funds are regarded as cash equivalents.
Money funds mainly invest in money market instruments, with short investment periods, such as bank deposits, certificates of deposit, national debt and central bank bills. These deposits or short-term bonds are generally guaranteed by banks or countries, with high safety factor and no credit risk, so the risk of investing in money funds is very low.
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Judging from the risk level, the risk level of the money fund is "low risk" and its security is relatively high. Money fund is a fund with the lowest risk, which can obtain steady income, and the income fluctuation of the fund is very small, so it is suitable for users with conservative risk assessment level.
From the perspective of security and liquidity, WeChat is very reliable. The only drawback is the low rate of return. From the investment point of view, it is not recommended to invest all the funds in WeChat. The funds needed for liquidity can be allocated to WeChat Bitcom, and the rest can be invested in products with higher returns, such as treasury bonds, private bank time deposits and other products with both income and security.
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