diff --git a/src/app/api/admin/funds/route.ts b/src/app/api/admin/funds/route.ts
index 8d2fb39..ecbc5c3 100644
--- a/src/app/api/admin/funds/route.ts
+++ b/src/app/api/admin/funds/route.ts
@@ -61,6 +61,7 @@ export async function POST(req: NextRequest) {
         displayUsername: name,
         passwordHash: await bcrypt.hash(crypto.randomUUID(), 10), // random, non-loginable
         balance: initialBalance,
+        researchPoints: 0,
         isFund: true,
       },
     })
diff --git a/src/worker/index.ts b/src/worker/index.ts
index af1ba1f..a088d7f 100644
--- a/src/worker/index.ts
+++ b/src/worker/index.ts
@@ -247,7 +247,7 @@ const maintenanceWorker = new Worker(
     console.log(`[maintenance] running daily maintenance (job ${job.id})`)
 
     const MAX_RESEARCH_POINTS = 10
-    const users = await prisma.user.findMany({ select: { id: true, balance: true, researchPoints: true } })
+    const users = await prisma.user.findMany({ where: { isFund: false }, select: { id: true, balance: true, researchPoints: true } })
     for (const user of users) {
       const points = dailyResearchPoints(user.balance)
       const newTotal = Math.min(user.researchPoints + points, MAX_RESEARCH_POINTS)
@@ -485,16 +485,16 @@ async function setupRepeatableJobs() {
     },
   )
 
-  // Daily maintenance — every day at 00:05 UTC
+  // Daily maintenance — every day at 05:00 UTC
   await maintenanceQueue.add(
     'daily-maintenance',
     {},
     {
-      repeat: { pattern: '5 0 * * *' },
+      repeat: { pattern: '0 5 * * *' },
     },
   )
 
-  // Hourly fund NAV snapshot — every hour on the hour
+  // Hourly fund NAV snapshot — every 15 minutes
   await fundNavSnapshotQueue.add(
     'fund-nav-snapshot',
     {},