Monetary fund can generally be understood as a risk-free investment tool. I choose several factors for reference: 1. The fund scale is generally above 1 100 million; 2. The income is high and stable. General currency shows the average income of seven periods, which can be seen from his average income of about 2 months. Personal experience, the current market can be higher than 3%, and continuous interest rate cuts should be lower and lower; 3. Purchase and redemption are quick and convenient. You can choose Alipay or WeChat wallet. Save it as change, which is convenient to use.

As shown in the following figure, I bought a money fund from Tian Tian Fund. Because of frequent access, I usually choose 2-3 money funds, and I will change which one I see has high income (there is no handling fee for conversion).