As a low-risk financial product, money fund has no systematic risk, and it is no big problem to buy with your eyes closed. Since every 10,000 income of the money fund represents the real rate of return of the money fund, many times investors only need to look at the level of this indicator. But the same sum of money, in a longer period of time, how to buy more money than others, may need to pay attention to the following points. Select daily carry-forward or monthly carry-forward. There are two ways to allocate money funds, one is daily allocation, which carries forward the fund shares on a daily basis, that is, the income obtained every day can be converted into the share of the next day for reinvestment. The other is daily distribution, which is carried forward to the fund share on a monthly basis, that is, daily income accumulation and unpaid income accumulation. These unpaid income are concentrated once a month and converted into fund share at one time. This means that if two money funds have the same income per 10,000 shares, but one carries forward interest on a daily basis and the other carries forward interest on a monthly basis, then the money fund carried forward on a daily basis will get higher income than the money fund carried forward on a monthly basis.

Different money funds charge different fees? Although there are no subscription and redemption fees for money funds, the net value of money funds is usually 1 yuan (the net value of some money funds is 0.0 1 yuan). There seems to be no difference, but different money funds still charge management fees, custody fees and sales service fees. Although investors are not required to pay these fees, they will be deducted from the fund's income, but will be accrued from the fund's net asset value of the previous day and paid monthly. Therefore, it is best to choose the one with low management fee, custody fee and sales service fee. For example, the common balance treasure has a management fee of 0.30%, a custody fee of 0.08% and a fund sales service fee of 0.25%? The management fee of Huitianfu Income Express Currency B(5 19889) is 0.2%, the custody fee is 0.08%, and the fund sales service fee is 0.0 1%. For a multi-billion-dollar money fund, the difference in expenses after deducting the net asset value is not a little. Choose a large scale or a small scale that is too large, such as more than one trillion. When it is redeemed at a huge amount, it may sell the unexpired assets at a low price; The scale is too small, but also to deal with redemption, too many cash positions, affecting income. It is really impossible for fund managers to accurately predict the redemption time of investors. So the scale is not too big or too small, just right.