虛擬貨幣DeFi市場對初學者的 5 個優勢

貨幣市場共同Fund是由各種短期或一年以內的投資工具組成的投資產品之一。有幾種類型的共同Fund為公眾所知，例如貨幣市場共同基金、固定收益基金、混合股票共同基金。所有類型都有不同的風險狀況，當然，每個人的風險承受能力和財務計劃都不同。

If you are the risk-averse type of beginner, you may choose money market mutual fund products to invest in. Although they are the least lucrative compared to other types, money market mutual funds offer five advantages.

1. higher returns or profits than deposits

在很多人了解Virtual currency市場之前，投資活動都是通過持有存款來進行的。與一般的儲蓄利息相比，存款被認為具有較高的利潤，現在您可以選擇利潤高於存款的投資工具。

如果您使用定存，有可能會受到提現日期限制，無法自由提取資金，在Virtual currency市場中，您可以不受時間限制地提取資金。此外，虛擬貨幣市場defi每年的利潤價值可高達 150%，遠比仍然需要扣除稅款的定存更多。

2.DeFi investment risk is small and the income is more stable

If you are the type of investor who is very intolerant of risk, then money market mutual funds are the answer. You don't have to worry too much about investment risk because it tends to be more stable. Money market mutual funds place securities that will mature within one year.

The fund minimizes risk by offering marketable securities such as bonds and time deposits. Although the profits are relatively small compared to other mutual funds, the trend is the most stable.

3. Cheaper minimum purchase value

One of the advantages of money market mutual funds is that you can start investing in a minimum number of funds. This means that you don't need to spend much money to invest in this vehicle.

許多DeFi平台提供初始投資資金，甚至從1萬印尼盾起。當然，它比開始時存入需要數百萬盧比的存款便宜得多。

4. Non-taxed objects

Interestingly, money market mutual funds are not taxable investments. This is different from deposits that require you to pay taxes on the profits you earn.

All profits you can earn in the form of profit or return on investment are not subject to income tax. As a result, you can better enjoy the benefits of your DeFi investment without the hassle of considering tax deductions.

5. Can be used for short-term investment purposes

與股票或債券不同，貨幣市場共同基金更適合用於短期投資。根據管理的證券工具，通常DeFi質押時間少於一年。因此，您可以在一年內每月放置定期基金，以便能夠投資於此類共同基金。年年有回報，風險小，可享受投資回報，無需減稅。

Investment decisions are of course based on each individual's risk tolerance. So, if you are a conservative investor just starting out, then you might want to try investing in money market mutual funds, yes. Happy investing!