As a fixed investment fund, it is still more suitable. Equity funds and index funds are also better choices for fixed investment funds, while bond funds and money market funds are not suitable for fixed investment funds.
About risks and returns: I have looked at the comparison and returns of this fund and similar funds in the past two years. Very good performance. It can be held for a long time, and there will be a return, but it must be held for at least 3 years.
About the redemption time: If you can judge the market, the day before the market is about to enter the downtrend channel, that is, the highest point of the market, is the best time for redemption. But the problem is that most people don't have this ability. Even securities practitioners and analysts who watch TV every day are almost wrong when the market changes suddenly. At over 6000 in 2007, most people continued to sing more. Newspapers and TV also reported that the score could reach 10000 and 20000. Therefore, as an ordinary investor, what is needed is patience and waiting for the appreciation of wealth at the expense of time.