Funds of different sizes have different advantages and disadvantages. If the scale is small, the continuous entry of incremental funds will rapidly dilute the investment income of money funds in the environment of falling interest rates in the money market, while larger funds will not have such concerns. In the environment of rising interest rates in the money market, smaller foundations will turn around and their income will rise rapidly. Considering all factors, investors should choose a money fund with moderate scale and strong operational ability.

Second, look at the old and new.

With the growth of age, money market funds become more and more popular. Old funds are generally mature in operation, have certain investment experience and hold more high-yield varieties. It is a wise choice to choose a money fund with a long history and relatively stable performance.

Third, look at a and B.

At present, 40 of the 5 1 funds are classified funds, and 1 1 funds are classified funds. The main difference between the two is the investment threshold. Generally, the initial investment of A-level funds is 1000 yuan, while the initial investment of B-level funds is more than one million yuan. From the perspective of income, the B-level income is higher than the A-level, but the threshold is too high, so ordinary investors are still suitable to choose the A-level fund.

Fourth, look at the product line.

When the stock market is bad, investors can use the money fund to avoid investment risks safely, and when the stock market investment opportunity comes, they can use the future fund conversion function to improve investment income. Therefore, it is recommended to choose fund company products with perfect product lines.

Investors should try to choose a relatively large-scale monetary fund with excellent long-term performance to invest, because the larger the scale, the greater the operating space of the fund, which is more conducive to investment operation and can better control liquidity risks.