Monetary funds and bond funds are relatively stable. Money fund is a tool that mainly invests in the money market, with relatively low risk and stable income. Bond funds mainly invest in bonds, and the risks and expected returns of bond funds are higher than those of money funds.

How to treat the income of the money fund?

There is little difference in the income of the money fund, and small differences will accumulate a lot. Look at the long-term rate of return, don't refer to the 7-day annualized rate of return too much, because some funds' 7-day annualized rate of return fluctuates too much and is deceptive, so it depends on the rate of return of 3 months, 1 year or even 2 years.