Money funds also have risks, but the returns are very low, belonging to low-risk and low-yield funds. There are many monetary funds provided by China Merchants Bank. You can check on China Merchants Bank's online banking, but you can't list them one by one.

The assets of the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities. From this point of view, the risk of money fund is low, but the income is also extremely low.

In fact, the investment scope of these money market funds are all varieties with high safety factor and stable income. Therefore, for many enterprises and individuals who want to avoid the risks in the securities market, money market funds are a natural haven. Under normal circumstances, you can get higher income than the interest on bank deposits, but the money fund can't guarantee the safety of the principal. But in fact, due to the nature of the fund, the principal loss of the money fund rarely occurs in reality, so the risk is extremely low.