Hello, money funds are only suitable for short-term idle funds to get slightly higher income than bank demand. There are two money funds with annualized rate of return higher than 2%, so it is not appropriate to invest in money funds in the medium and long term. You can buy low-risk bond funds, and the income of excellent bond funds is much higher than that of bank time deposits. Since the beginning of this year, more than 20 bond funds have earned more than 2%. The outstanding bond funds are Guo Fu Tianfeng and Hua Fu. There are the following ways to purchase funds: 1 at the bank counter (higher rate is not recommended, the subscription rate is 1.5%), as long as you bring your ID card and bank card to the bank. 2 I am in online banking (subscription rate is 0.6%- 1.2%) or fund company website (subscription rate is 0.6%) (recommended). First go to the bank to open online banking, and then go home to subscribe or invest in funds. Open online banking with your ID card and bank card at the bank counter (for the convenience of transfer, you can bring your mobile phone digital certificate or open your mobile phone dynamic password to log in), and then go home to log in on the online banking page and install your mobile phone digital certificate (it may be troublesome for first-time operators, and some information explained by the bank is demonstrated on the bank website). Mobile phone dynamic password is more convenient. You can send the password as soon as you log in to the bank. Log in to the online bank to find the column of buying funds, where you can find the fund subscription or fixed investment you want to buy. If you want to buy a fund company, you can go to the fund company's website to register, and you can also buy and sell funds conveniently after filling in the information. 3. Buy securities accounts in securities companies (the rate of 0.6%- 1.2% for funds with securities accounts is not dominant, because there are fewer direct selling funds with preferential rates in securities companies, and the rate of tradable funds in the secondary market is the lowest but risky, which is not recommended by new investors). This requires opening an account in a securities company first, and it will be convenient to buy and sell funds if the account is opened successfully. Since Guo Fu Tianfeng stopped subscribing, now you can only use your stock account to buy in the secondary market.