The investment direction of money market funds is mostly agreement deposits. Because of the large amount of funds and tight market funds, we have a high bargaining power with banks, and we can get much higher interest rates than deposits in banks. So its income will be high. In addition, it will invest in high-credit AAA bonds within 397 days, bond repurchases and central bank bills within one year, all of which are very safe assets and will not be risky.

At present, the annualized income is about 3.5-4.0%, which is very advantageous compared with the current bank 1 year time deposit interest rate of less than 3%. In addition, the biggest convenience of the money fund lies in its fast redemption speed. This kind of fund can be redeemed in real time at the earliest, so it is better than the cash management tool of bank deposits.