连债券都有风险，它怎么可能没有风险呢？

Even money market funds have some risk. BOXX吸引人的地方在于税务。但是你读读下面这个文章。

https://www.taxnotes.com/featured-analysis/tax-trap-inside-boxx/2024/03/08/7j8x0#:~:text=And%20when%20shareholders%20do%20sell,too%20good%20to%20be%20true.

在税务优惠上也是有疑问地。

And expense ratio 0.2%.

The purpose of cash is safety and liquidity. It is not even for chasing yield. Let cash be cash. If you need yield, take risk at some other places where you can also get some growth.