1. Most money funds are mainly bank deposits and bonds, and our income also comes from bank deposit interest and bond interest. The different income of different money funds also comes from the different interest rates brought by the different allocation ratio of funds to bank deposits and bonds.

2. The money fund has income every day, and records the income once a month to increase sharing. The net value is constant (always 1 yuan), and the share is increasing, so how much share is there? The risk is extremely low, and the income is slightly higher than that of time deposits.

The share of other open-end funds remains unchanged, and the net value fluctuates with the price of their investment products such as stocks, and the net value changes every day. Only when certain conditions are met can dividends be paid, and the return may be higher, but the risk is also greater.