First, to buy money funds, we should pay attention to liquidity rather than yield, put the safety of funds in the first place, and try to choose products with general combination and relatively short remaining period. If you want to earn a higher rate of return, it is better to buy stock funds or bond funds.
Second, we should pay attention to the background of shareholders when buying money funds. For example, banks are money funds, such as Bank of Communications and ICBC, which are all supported by banks.
Third, buy a money fund. Theoretically, if the interest rate fluctuates greatly, investors should bear the losses of investing in money funds. However, if investors can usually collect evidence that the money fund is suspected of violating the rules, such as the manager's exaggerated propaganda of the money fund, then in the event of losses, the manager can bear the consequences through legal means.
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