For ordinary investors, the money fund can be regarded as a fund that does not charge fees. Because there is no subscription and redemption fee. Money funds are managed and sold in banks and other institutions, so there are 0. 10% custody fees and 0.33% management fees every year, but these fees have been deducted before the published annualized rate of return, so for ordinary investors, they are 1 yuan at the time of purchase, and there is no need to consider any fees.