The security and liquidity of money funds are relatively high, which is suitable for allocating funds with high liquidity requirements. However, the current rate of return is indeed gradually declining, limited by the "quick redemption" quota of 6.5438+0 million yuan. According to the regulatory regulations, the daily "quick redemption" amount of a single money fund is 6,543.8+0,000 yuan, that is, the redemption within 6,543.8+0,000 yuan can be received in real time, and the "ordinary redemption" is required above 654.38+0 yuan, t+ 1 trading day.

You can pay attention to "smart deposit products". Deposit products issued by banks can enjoy the deposit insurance protection system, and 65,438+000% can be paid within 500,000 yuan. Some "current" products can be accessed at any time, with interest bearing on the same day and real-time payment on the day of redemption.

For example, there are some demand bank deposit products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management), such as "Sanxiang Bank Demand", which can be withdrawn in advance, with a yield of about 3.9%, and can be accessed at any time. The value can be taken on the same day, and it can be withdrawn on any natural day, and it can be paid in real time on the same day, without trading days, within 500,000 yuan 100%.

You can search for "download link of Du Xiaoman Financial APP" or follow "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!