Hello, the fund is risky. If you need a fund with a higher interest rate than a bank, then you have to take higher risks, and high risks correspond to high returns. Generally speaking, bond funds have low risk and high probability of capital preservation, but the interest rate is similar to that of bank deposits. Equity funds, in a bull market, will have high returns, but in a bear market, the principal will also face losses. Moreover, this kind of fund needs your constant attention. When there are good returns, I suggest you throw them out quickly. If you generally don't care much about this information and don't want to take higher risks, then I suggest that you still hand over the money to buy buy's bank for management, or deposit it in the bank regularly, with lower risks.