The loss probability of money funds is relatively small.
Monetary fund is a relatively safe investment method. Although it is possible to lose money in theory, the probability of real loss is relatively small. At present, most securities companies, wealth management companies and banks have launched money funds, including Alipay and WeChat, which have access to some money funds, allowing investors to obtain relatively high returns, but few news of losses broke out. However, the investment income of choosing a money fund is not fixed, and its interest rate will constantly change according to the changes in the market.
The money fund is worth starting with.
In this big investment environment, money fund is a wealth management product worth starting with. Compared with other investment products, the safety factor is higher and the funds are more flexible. In particular, some money funds that can be accessed at any time can completely replace bank demand deposits conveniently and quickly, but their daily interest is higher than demand deposits. Now this kind of money fund can be bought in many places, otherwise it can be bought through bank counters, online shopping malls of securities companies or through Alipay and WeChat. However, different money funds have different returns. We should compare more when we start, and then decide which one to buy.
Problems that should be paid attention to from monetary funds
You can start the money fund now, but when you start the money fund, you'd better choose the T+0 fund. As long as this fund wants to apply for redemption, the funds will arrive immediately, while some money funds will arrive at T+2 or T+3, which is inconvenient to operate. When starting a money fund, we should also choose a money fund that is easy to convert, and we should also choose a money fund with a moderate scale and a position. Such a money fund will be safer after purchase, and its income will be relatively stable, which will bring higher income to investors and reduce some investment risks.