At present, money funds mainly invest in bank deposits or bank bills or short-term bonds. At least according to the current policy, deposits and bank notes will not go bankrupt under the condition of state guarantee, and short-term bonds (within 1.5 years) are basically unlikely to go bankrupt and reorganize. After all, there are still a few companies that have not been found to make false accounts. I have no reason to think that your past financial situation is good, and you will go bankrupt and reorganize immediately after buying your bonds.

Monetary funds have the lowest risk among all funds, and the general demand deposit income is between 10 and 15 times. Every fund company fluctuates every quarter, for example, it will rise at the end of the year (because banks have to cope with the inspection by the central bank, they try their best to raise the interest rate of agreed deposits to pull deposits or issue short-term bonds with a term of 1 to 2 months, but the interest rate is higher than that of time deposits in the same period).