To choose a good money fund product, it is suggested to start from three aspects:

1, choose a larger product.

In this way, there will be strong bargaining power in the agreement deposit, and at the same time, when faced with redemption pressure, it will not have much impact on the overall operation of the fund.

2. Choose a strong team with a fixed expected annualized expected return.

Of course, its core personnel need to be very stable and the company has strong teamwork ability.

3. Choose products with stable performance in the medium and long term.

In addition to the 7-day historical expected annualized expected return, another preferable standard is the daily expected annualized expected return 10000 copies.

What steps should I follow to buy money fund products?

In the face of the product distribution market with diversified investment objects and combined term, investors should be glad that there are so many products to choose from, but the choice should not be blind. The following three steps should be followed when purchasing products.

1, do a good job in risk testing.

Investors should cooperate with the bank's wealth management manager to do a good job in risk testing, complete the investment risk questionnaire provided by the bank, and test the individual's risk tolerance, which will include a series of issues such as personal assets, income, investment objectives, and attitude towards principal loss.

After confirming the individual's risk category, it is possible to choose to buy financial products that match his risk tolerance.

2. Read and understand the product carefully.

Investors should read the product manual carefully before buying the product to understand the specific investment target of the product.

In essence, product investment is the key to determine the level of risk. The common investment objects of wealth management products are money market instruments, bonds, bill assets, credit assets, trust loans, funds, stocks, equity, structured investment varieties and alternative investment varieties.

At the same time, different risk control measures and managers' investment management ability will also have an important impact on product risk. For example, the stratification of priority/inferior level can turn equity investment products into "fixed expected annualized expected returns", and the use of various credit enhancement measures can well control the risks of financing products. The investment management mode of wealth management products is also what investors need to investigate and understand.

3. Finally, place an order to buy the product.

Only when investors have a clear understanding of themselves, products and banks can they place an order to buy, so as to obtain wealth management products that match their risk preference and risk tolerance.