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Which fund has the lowest risk and return?
The money fund has the lowest risk and the lowest income. Money market fund asset investment is a risk-free money market tool with high security and short term, such as cash, certificates of deposit, bank time deposits within one year, etc.

There is no handling fee for the subscription and redemption of money funds, but certain management fees, custody fees and sales service fees will be charged. These fees are accrued daily, collected regularly, deducted from the total assets of the fund, and are not charged separately to investors.