Investors can buy on fund agency platforms such as fund company bank, brokerage APP, Alipay, WeChat Licaitong, Tian Tian Fund Network, JD Finance, etc. As long as the funds related to "Interbank Deposit Certificate" or "Interbank Deposit Certificate Index" are listed on the homepage of the software they use, investors can choose fund managers or fund companies. As shown in the figure:

Interbank deposit receipt index fund is a fund in which the fund manager uniformly invests the fund assets in AAA interbank deposit receipt index, that is, more than 80% of the fund assets must be invested in AAA interbank deposit receipt, which is simply a certificate given by the bank to borrow from other institutions. The term of the certificate of deposit is less than one year, so the interest rate of the certificate of deposit is higher than that of the individual deposit because of the large capital flow, and the certificate of deposit can also be traded, transferred and pledged in the market, with good liquidity.

From the perspective of listed funds, the rate of return is slightly higher than that of money funds, and there is no possibility of loss at present. However, if there are systemic risks in the market outlook, fund companies will not be at the bottom.