1. The money fund pays dividends every day and carries them forward once a month. The money fund with the highest rate of return earned about 2% annually last year.

2. Bond funds and stock funds are products with uncertain returns, which may make money or lose money.

The yield of well-managed bond funds is 5-6%, sometimes 8% or even higher, but they are all special cases. The average rate of return of equity funds should be 8- 12%. Last year, good equity funds reached more than 20%, but there were some bad ones, with a loss of 20%.