As you can see, the seven-day annualized rate of return of the money fund is 3.25%, which only represents these seven days, not one year, so it cannot be calculated simply. Judging from the previous rate of return, if the money fund does not raise interest rates for one year, it will be slightly lower than the bank deposits in the same period, and the rate of return will be around 2.5-3, but it is indeed much more flexible than the bank deposits.