Going to the bank is actually very simple. You have to decide which fund to buy in advance, and then you can buy that one after you go. As for the process, after you go, tell them that you want to buy a fund, and then they will make a risk assessment for you according to the regulations to see how much risk you can bear, ask about the fund, amount and date of your fixed investment, and then fill out one or two forms for you.

It's not easy to determine which fund you can invest in because you don't know how much risk you can take. If you are quite risk-averse, you can only invest in funds such as BOC Zengli or SDIC UBS Stability. If you can take a little risk, Huaxia Return or Harvest Growth will be a good choice. I dare not recommend more, after all, novices generally don't have that big risk tolerance.

As for the time to take it out, it's really hard to say, but it will take at least two or three years. It's not worthwhile not to take it out for less than a year.