1, capital is risky, of course, it is high-yield and high-risk, which is an unchangeable law. Therefore, you should consider your ability to resist risks.
2. There are many kinds of funds, ranging from high risk to low risk: stock type, mixed type, bond type and currency type. Consider your own affordability and choose the corresponding fund type.
If you only think about gains and don't accept losses, you have little choice, and only the money fund may be the safest.
4. To buy that fund, you must do more research to see the performance of the fund company, fund manager, fund scale, past performance of the fund, third-party evaluation and so on. I recommend you to the Morning Star in cn.morningstar.com.
Finally, funds are generally held for a long time, and time can resist risks.
I hope you can buy your favorite fund!