There is only one way for the money fund to pay dividends, that is, to reinvest the dividends. So there will be no so-called dividend to the bank card account. What we can see is the increase of fund share. For example, when we bought 10000 Chinese coins, we got 10000 funds. After one year, the fund share will become 10250. If 250 copies are redeemed, it is equivalent to redemption income.
At present, the low income of the money fund is due to the repeated interest rate cuts, which leads to the decline of the bulk interest rate and the agreed deposit interest rate, which is the main investment direction of the money fund.