At present, both bonds and money funds can make money in the market, and stock funds are risky. If you want to be stable, you can choose bond money funds to invest in the money market, such as short-term government bonds, repurchase, central bank bills, bank time deposit certificates, interbank deposits and so on. , basically no risk. Under normal circumstances, the probability of investors' profit is 99.84%. Its liquidity is second only to the bank's current savings, and the income is calculated every day and carried forward to the fund share every month. The income is slightly higher than that of one-year time deposit, and the interest is tax-free. Monetary fund is a substitute for savings because of its high security, high liquidity and stable income. Its main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividend". Subscription and redemption are free and there is no cost. You can take it out at any time on weekdays. The average income is around 5%, which is much higher than the one-year time deposit of 3.5%. For example, Jundeli 1 with the fund code of 95200 1 has an annualized rate of return of 4.05% on the 7th. You can check the income of various similar funds in official website:/product/product _ index.jsp.

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