2. Dividends and zeroing are only a way to adjust the rules and attract new investors, which has nothing to do with the ultimate interests of the holders.
3. Fund is an investment method with balanced risk and return. There is absolutely no such thing as capital preservation. Last year, many funds were below the net issue value, with the most serious loss exceeding 20%. Money funds and bond funds investing in government bonds can be said to be risk-free returns, which is probably what you think of as "capital preservation funds". The average income of the IMF in recent two years is 1.8-2.0%. There is no point in doing so. )
Recently, the market oscillated a lot. Last weekend, the net worth went green across the board. If you are a novice, it may not be a good opportunity to get involved. I suggest you start with money or bonds.