Most funds do not promise capital preservation, and money funds do not absolutely guarantee capital preservation, because although money funds do not have subscription fees and redemption fees, they also have custody fees and management fees. As long as the investment income is less than the cost, the money fund will also lose money, but the probability of this situation is particularly small. Generally speaking, only money funds that have just been established or suddenly suffered a large number of redemptions will have a small loss.

The annual income of a well-done money fund can exceed one-year fixed investment, but the income is relatively poor compared with other funds. It is suitable for large funds with high liquidity requirements and has little return on small investments.

The liquidation time of monetary fund subscription and redemption is generally T+2, that is, it can be redeemed on the third working day after subscription. But generally speaking, the monetary fund has a limit on the amount of one-day subscription and redemption, which is generally 5 million or 65,438+0,000, and there are some special ones. I think the cash limit in China is 300,000. Occasionally, the monetary fund will suspend its subscription or redemption for various reasons.

The lump-sum deposit and withdrawal interest rate is calculated according to 60% of the lump-sum deposit and withdrawal interest rate of the same grade, and is also calculated according to the interest product. For example, if you invest in lump sum for one year, the interest will be calculated according to 12 months for the money invested in the first month and 1 1 month for the money invested in the second month.

According to your situation, I suggest you choose a fixed investment fund. Generally speaking, the income is higher and there are more time deposits.