This depends on the specific type of fund you buy. The money fund has the lowest risk and can basically protect the capital, but the income is relatively low. The risk of bond funds is a little higher than that of money funds, but the income is also higher. Hybrid funds and index funds are risky and fluctuate greatly, sometimes falling to a low point and sometimes rising very high. Equity funds have the highest risk and the highest return.

If you can't afford to lose, I suggest you buy goods or get into debt. If you can take certain risks, you can choose to invest in hybrid funds or index funds, learn more about financial management and gradually understand.