货币型基金很好的协调了流动性与收益之间的矛盾,是在短期内实现资金保值增值、规避风险的理想工具。在现阶段股市动荡的情况下,选择投资股票或以股票为投资标的基金,风险较大;把资金存入活期账户,确保了安全性和流动性,但收益太低; Monetary funds have well coordinated the contradiction between liquidity and profitability and are ideal tools for realizing the goal of preserving and increasing capital and avoiding risks in the short term. At this stage of the stock market turmoil, the choice of investing in stocks or stocks as the underlying investment fund, the risk is greater; the funds deposited in current accounts, to ensure the safety and liquidity, but the benefits are too low;