Steps Forward

If Futu can work with these asset managers to overtime gradually and safely lower expenses ratios, give a full breakdown of 100% of the underlying assets invested in. keep up with the regular deposit rewards, more referral rewards, then they won't have to spend any on marketing and Money Plus will just keep growing and growing over time.

People want stability and for the slightly higher risk than bank and government bonds, Money plus must seek to beat these two institutions in returns even if it is by 0.01%  while getting safer as time goes on. A bank run is the biggest threat to a Money Market Fund.

also I have a question, does the more funds a asset manager have, the more stable their returns are? or the other way around?