Vote for you: The concept of money fund has been heated up in China at present, but it is actually the simplest and most common form of investment abroad (such as the United States). As a form of savings substitute, bank wealth management products have been widely recommended and used by major banks. Therefore, compared with the current wealth management products issued by banks, the operation of money market funds is relatively more transparent, and the risk monitoring mechanism and measures are more strict and perfect. Judging from the current situation, money market funds are better than bank wealth management products.