1. The bigger the fund, the better.

As a fixed-income product, money funds usually adopt one-to-one price negotiation. Usually, the party with large amount of funds has stronger bargaining power and higher investment income. In order to cope with redemption, smaller money funds tend to hold a higher proportion of cash, so that the funds used for investment will be relatively small and the income will be reduced, while the larger funds will be more capable of coping with large redemption, especially when the financial accounts are closed at the end of the year or the views on the bond market tend to be consistent. However, in some cases, there are exceptions. When the market interest rate changes, such as the central bank raising interest rates, the smaller money funds will "turn around" and the yield will rise sharply.

2. The old money fund is more stable.

After a period of operation, the performance of the money fund has stood the test of the market, and it will take time to test whether the newly issued money fund can achieve good performance. In addition, the newly issued money fund has a closed period, during which it cannot be redeemed, and its flexibility will naturally be limited.

3. Look at the threshold level

There are two kinds of money funds: A-class money funds and B-class money funds. The main difference between the two is the investment threshold. The minimum investment threshold of A-level monetary fund is only 1 yuan, while the minimum investment threshold of B-level monetary fund is more than one million yuan. From the perspective of income, the yield of B-level money funds is generally high, but the investment threshold is too high, so ordinary investors are more suitable for A-level money funds.

There are still many goods bases that meet these three points, such as leading profit.