Baidu's money fund and Harvest's money fund are connected, not capital preservation funds, but fixed-income funds with extremely low risks. Its investment targets are mainly interbank bills and deposits, government bonds, central bank bills, financial bonds, corporate bonds and so on. Its risk mainly lies in its activity (for example, when there is a sudden huge redemption, the fund is short of cash and can only withdraw deposits, bills or sell its bonds in advance, which may cause losses). . . The Monetary Fund has a history of 65,438+00 years in China. 1 Since its establishment in June 2003, Huaan Cash Fuli, the monetary fund, only in 2006, due to a large amount of capital outflow from the stock market, a few monetary funds experienced negative returns on a certain day, but never for more than three consecutive days. . .