The biggest worry about buying a fund is losing money, so many people will ask before buying a fund whether it is safest without a fund and will not lose money. I believe there is only one answer, and that is the money fund. Let's look at all aspects of the money fund.

What does the money fund mainly invest in?

Monetary funds are mainly invested in short-term monetary instruments, 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. Generally speaking, money fund is a kind of securities with high investment security and stable income, because the target of its investment does not lose money, so it is the safest fund.

Did the money fund lose money?

As a kind of fund products, the money fund may lose money in theory, but from the historical data, the risk of stable income is very small, so everyone says that the money fund will not lose money. The most typical thing is that the balance treasure in Alipay is lost, and the balance treasure belongs to the money fund. Everyone will not lose money if they deposit money in Yu 'ebao, and they will earn interest every day.

After reading the above introduction, I believe everyone has a more comprehensive understanding of the money fund. Finally, I would like to remind you that the risks of general money funds are systemic risks, which are difficult to escape once they occur, but such risks are impossible. Just as you put your money in the bank, there are risks, such as bank failure.