Although the fund managers of the Monetary Fund have repeatedly stressed that the Monetary Fund is a cash management tool and should not pay too much attention to the rate of return, no one dares to reduce the rate of return for a long time. Because whoever's income drops first may be redeemed, and the greater the decline, the longer the low-income period, and the greater the net redemption. In fact, the pressure on fund managers is also great. At present, the average rate of return of money funds with relatively good performance is about 2.2% to 2.3%. As far as the current money market is concerned, it is very difficult to maintain such a rate of return. Fortunately, some old money funds still have floating bonds, so they usually cash in part on one day of the week, which will lead to higher yield and keep the fund's yield at a better level for the next seven days.

For the new fund, it is more difficult. For example, the Bank of China currency has not been established for a long time, the income has not been able to go up, and the fund scale has been declining. If there is no special change in the money market situation, it is difficult for the money fund to maintain a yield of more than 2% for a long time. Now it depends on who has more ammunition in his hand and who can persist for a long time. After a long time, the yield will drop. Therefore, if you want to invest in the money fund now, you should first consider the old money fund. It is best not to touch the newly established or about to be established monetary fund.