Want to manage money and make money, but don't want to spend too much time and energy, which has become the most entangled idea of "lazy" investors. The "Current Music" mobile phone client, which has been launched in harvest fund, includes two customized functions of balance financing and time deposit, and is suitable for "lazy financial management".

In fact, investors can enjoy the liquidity of Harvest Monetary Fund comparable to the current period and the steady income far higher than the current interest rate, regardless of the balance financing or time deposit function.

My friend Mr. Wu is engaged in sales, with a monthly income of 5,000 yuan, a fixed salary and a performance commission. The author suggests that he set a reserve amount of 3,000 yuan in the bank card as a "red line" through the balance financing function of "Demand Music", and the monthly surplus income will be directly converted into a money fund through balance financing. Then the lower limit of Mr. Wu's monthly purchase of Harvest Monetary Fund is 2000 yuan, and the upper limit fluctuates according to the specific income. It is easy to maximize the value-added of idle funds while meeting daily expenses.

Mrs Wu is a full-time housewife. After deducting fixed expenses, her family account will basically have more than 4,000 yuan of disposable funds every month. For investors like Mrs. Wu, I suggest that they try the time deposit function of Current Music. As long as the monthly deduction amount and time are set in the current music-bound bank card, the system will automatically deduct this part of the money and turn it into Harvest Monetary Fund to enjoy the income comparable to time deposits. To sum up, the customization function of "current music" can make lazy people easily realize "I am the owner of income" and at the same time make the spare money lying in the bank card "move and earn".