Yes, at present, money funds do not directly promise to protect capital and interest, but mainly invest in money market instruments, such as time deposits, government bonds, central bank bills, commercial bills, bank time deposits, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities. The fund risk is determined by the investment target, and the risk of the investment target of the money fund is very low, so the risk of the money fund is very low.

At present, Alipay Monetary Fund has the characteristics of low risk, stable income, high liquidity and low investment threshold. Among fund products, money fund has the lowest risk, and the investment threshold is 1 yuan, which is suitable for investors with low risk tolerance and high liquidity requirements. If investors have idle funds, they can also deposit them in the money fund.