1, look at the long-term interests. For a monetary fund, there are two common income indicators, seven-day annualized income and ten thousand-share income. Seven-day annualization represents the average income level of the past seven days, and ten thousand income represents the income level of the cargo base on that day. These two data are short-term data and cannot fully represent the performance ability of the money fund. It depends on the long-term income of the money fund. If you can achieve excellent performance in the past year or two or three years and rank high among similar funds, such a money fund is a good fund.

2. Look at the size of the fund. For the money fund, it is not appropriate for the fund to be too small or too small. If the scale of funds is too large, we should consider safety and liquidity. You can only invest in short-term assets, and the income can only be in the middle and lower reaches, such as Yu 'ebao. The scale of the fund is too small, and the daily redemption of users will have an impact on the fund, which is not conducive to the negotiation between the fund and the bank, and the income is not comparable to other funds. On the whole, money funds with a fund size of 65.438+0 billion to 50 billion yuan are most likely to achieve higher returns.

3. Look at the proportion of institutions. The greater the proportion of institutional shares, the greater the possibility of huge redemption, and the money fund can only sell unexpired bonds at low prices, resulting in losses for the money fund. Therefore, it is necessary to choose a monetary fund with a small institutional shareholding ratio, preferably below 30%. This data can be inquired by Tian Tian Fund.