1. According to the data, the income of the Monetary Fund is about 3% every year, and the liquidity of the Monetary Fund is very strong, mostly t+2, which is also an ideal cash substitute.

2. Bond funds: Now that China has entered the interest rate reduction cycle, the investment value of bond funds has gradually become prominent.

3. Bank time deposit: The central bank adjusted the interest rate this time, even the one-year deposit rate is around 2.52%. At the same time, it will be higher than money market funds and stronger than partial stocks or equity funds.

Extended data:

Precautions:

1. Define investment risk. Although the investment risk of bond funds is relatively moderate, there are many types of bond funds, and the risks of different bond funds are still very different.

2. Pure debt funds only invest in bonds, not stocks and convertible bonds, so their risks and returns are the lowest among bond funds, especially short-term pure debt funds.

3. Tier 1 bond funds and Tier 2 bond funds can invest in market stocks in addition to bonds, so the expected risks and returns are higher than those of pure bond funds.

Baidu encyclopedia-bond fund

Baidu Encyclopedia-Monetary Fund

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