Because principal guaranteed fund is a combination, whether it is a fixed-income commodity or an option investment, there is a certain period. Therefore, unlike the general fund's sustainable operation, most of the principal guaranteed fund has a duration when it is issued, so as to avoid the frequent redemption of customers, which will affect the operating cost and performance of the fund. At present, the operating time of the general principal guaranteed fund design is mostly about two to three years.

In addition, the principal repayment guarantee provided by principal guaranteed fund, only when the fund expires, if the investor cancels the contract and redeems in advance, not only will he not be able to enjoy the capital preservation guarantee, but he will usually have to bear the redemption fee. However, at present, most of the newly issued principal guaranteed fund have a regular redemption mechanism. The most common one is to open the redemption on a quarterly or monthly basis, but early redemption still cannot enjoy the guarantee of returning the principal provided by the fund. Therefore, when considering principal guaranteed fund, investors should make long-term and short-term capital plans in advance, and then choose the appropriate principal guaranteed fund.

according to hexun market center, there are about 41 capital preservation funds.