Securities investment fund, referred to as fund. Simply put, a fund is a collective investment method with * * * returns and * * risks. Therefore, the Fund does not guarantee the principal and minimum income. So what you said, "I heard that the principal can be returned after three years of fund purchase" does not exist! There is no such thing!

However, when you buy a fund that has been held for more than 3 years, if you just redeem the fund, the redemption rate is 0, which is ok. Because the redemption rate tends to decrease with the increase of holding time. Usually after holding for 3 years, there is no redemption fee, that is, the redemption rate =0. General funds are stipulated in this way. This is no problem!

In addition, for the capital preservation fund, if you buy the fund during the subscription period and hold it for more than 3 years, you can preserve the capital. However, it cannot be redeemed halfway, and it must be held until maturity (usually three years). If you redeem it halfway, you can't break the funds without following the promise of capital preservation! It's a bit like a three-year national debt. If you need to withdraw money within three years, the interest rate will not be guaranteed, and interest can only be calculated at the current interest rate!