The investment direction of money market funds is mostly agreement deposits. Because of the large amount of funds and tight market funds, we have a high bargaining power with banks, and we can get much higher interest rates than deposits in banks. So its income will be high. In addition, it will invest in high-credit AAA bonds within 397 years, bond repurchases and central bank bills within 1 year, which are very safe assets and will not be risky.

The current income is about 4.0-4.5% in 2008, compared with the current bank 1 year fixed deposit rate of 3.3%.

If you are not at ease, call China CITIC Bank and ask which monetary fund this thing is bound to.