Refer to the historical performance of the Monetary Fund. Seven-day annualized income is one of the important indicators for choosing money funds. It is to convert the seven-day income of the fund into one-year income to judge the performance of the fund. The fund network has a daily ranking of monetary funds every day. As long as you browse frequently, you will naturally find funds with excellent performance. In addition, some fund websites also have the function of screening and comparing several money funds. Choose several funds that you care about, and compare the performance indicators of recent March, recent June and last year, and choose the best one, so as to find a money fund with always excellent performance.

Choose a large-scale fund. Monetary funds, like stock funds, are affected by the issue time, company strength, fund manager level and other factors, and the fund size is also different. Relatively speaking, if the fund has a large scale, strong bargaining power when investing and low relative cost, the fund's income will naturally be higher. In addition, the scale of funds purchased by individuals will also determine the investment income. The rate of return of B-level monetary funds with an investment threshold of more than one million yuan is generally higher than that of A-level monetary funds. Therefore, for investors with certain financial strength, it is also one of the strategies to improve investment income.

Look at the fluctuation law of monetary fund performance. Many people think that the income of the money fund is very stable, but it is not. The income fluctuation of the money fund is actually quite large. Once the money supply in the market is tight, the income of the money fund will surge. For example, when PetroChina went public, the annualized income of the money fund had reached more than 15%, while in normal times, the income of the money fund was generally around 3%. After mastering these laws, banks can buy short-term wealth management when the money fund's income is low, especially at the end of the month, the end of the season and the end of the year. In order to offset the deposit balance, the bank's wealth management income will be much higher than that of the money fund. When the bank's short-term wealth management income decreases, it can be converted into the money fund in time, so that the comprehensive investment income will be greatly improved.

Look at the investment direction and portfolio. Money funds are low-risk financial management tools, and their investment scope is roughly the same: both of them are limited to investing in money market tools or fixed-income products, mainly including cash, call deposits, bank time deposits within one year (including one year), large deposit certificates, bonds with remaining maturity within 397 days (including 397 days), bond repurchase within one year (including one year) and bonds within one year (including one year).