The seven-day annualized rate of return is the average income level of the money fund in the last seven days, which is obtained after annualization. Ten thousand income refers to the amount of income realized per ten thousand fund units. They are all important indicators to measure the income of the money fund. A money fund that takes both into account is a money fund with better yield.

1. Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. Different from other types of open-end funds, money market instruments that specialize in investing in low risks have the characteristics of high security, high liquidity, stable income and "quasi-savings".

Second, the assets of the Monetary Fund are mainly invested in short-term monetary instruments (generally within one year, with an average term of 120 days), such as treasury bonds, central bank bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities.

3. In fact, the investment scope of these money market funds are all varieties with high safety factor and stable income. Therefore, for many enterprises and individuals who want to avoid the risks in the securities market, money market funds are a natural haven. Under normal circumstances, you can get higher income than the interest on bank deposits, but the money fund can't guarantee the safety of the principal.

Four. Straight flush statistics show that as of June 4th, 208 monetary funds (classified separately), including short-term wealth management funds, have a considerable overall rate of return based on the seven-day annualized rate of return (hereinafter referred to as "rate of return"), with the latest data of 3.45%. Compared with the deposit interest rate of 0.35%, the overall "yield" of the above money funds is almost ten times.

Five: The criteria for screening money funds are mainly to see whether their long-term past performance is stable and whether their fund companies have strong fixed-income teams to support them. Secondly, we should choose a monetary fund with large assets, because as a cash management tool, monetary funds have to deal with frequent redemptions every day. The larger the scale, the smoother the impact of capital inflow and outflow, and the more stable the income.

Six: What kind of money fund will investors think about? Investors should try to choose a relatively large-scale monetary fund with excellent long-term performance to invest, because the larger the scale, the greater the operating space of the fund, which is more conducive to investment operation and can better control liquidity risks.