Different types of funds will lead to different risks and returns. Funds are generally divided into: money funds, mixed funds, stock funds, bond funds, index funds, etc., among which money funds have the least risk.
If you invest 50,000 yuan in a monetary fund and buy it for 3 years, you may earn 5%~6%. Generally speaking, the expected annualized income of the money fund is 2%, and it will be about 6% after three years. Specifically, it will be based on the income of the money fund, because the income of the money fund will be different, depending on whether the investment target has risen or not. Generally speaking, there is little investment in money funds.
If it is a high-risk fund type such as stock fund, hybrid fund and index fund, it is possible to lose money. If you make money, it is also possible to make 20%~40% when the market is good. If the market is bad, you will lose the principal.
Because the investment cycle is relatively long, it is generally impossible to accurately say whether you will make money or lose money. The future income of the fund is unpredictable and can only be analyzed by looking at past performance and some related knowledge. If you are a conservative investor who doesn't want to take risks, it is generally recommended to buy a money fund.