2. The income of the capital preservation fund is not capped, and the risk is relatively low, which is suitable for novice investment. However, if you want to protect your capital, you must buy and hold it until maturity during the issuance period (usually 3 years). Because of this, it is not suitable for fixed investment;
3. Index funds are generally most suitable for fixed investment. For example, the Shanghai and Shenzhen 300 Index Fund, which represents the mainstream of the market, can consider Huaxia Shanghai and Shenzhen 300 and ICBC Shanghai and Shenzhen 300, both of which have relatively low rates;
4. I suggest you go directly to the fund company to open online transactions. The advantages are low cost, convenient purchase and redemption, and no need to go to the bank.
Specific steps: (1) Open online banking; (2) Take Huaxia Fund as an example, log on to the website of the fund company, enter online transactions, choose to open an account, choose a bank card, and then fill in the ID card, bank card number and personal information. (3) Log in to the fund account and click Buy.