At present, it is considered good. The income of money funds depends on the amount of money circulating in the market.

Under the tightening monetary policy, the amount of currency circulating in the market is relatively small, and the reduction in bank lending quotas has also given monetary funds more room to rise. The current relatively high annualized rate of return also illustrates this point.

However, perhaps as the central bank continues to reduce the reserve ratio and banks have sufficient loanable funds, monetary funds will gradually fall back to the normal return range.