When the market is good, the annualized income can reach 15%-30%, and the upper limit of income is greater than that of the money fund.

When the market is bad, the possibility of losing 5- 15% a year is less than the risk of stocks.

The income of bonds and bond funds comes from their own rise, and the money fund comes from each dividend.

The money fund market reached the peak of 15% at the best time, and now the highest annualized income is about 3.5%, but there is almost no possibility of loss.

There is a kind of money fund, which occasionally has a higher income, but sometimes its income is very low, so its income is unstable.