Hello, first of all, I want to tell you that the fixed investment of the fund will not guarantee the income. If the same fund starts investing at different times, the gains or losses are also uncertain.

When bank financial managers recommend funds, no matter whether the funds are good or not, they will recommend them to you for their own performance, which is naturally a loss.

In other words, there is no such thing as bank fund investment insurance.

If you want to invest in a fund, you should study it yourself before buying it.

Now that the stock market is starting to improve, I suggest you invest in some index funds, and the income will be relatively better. This year's income 10% or more should be no problem. Index funds can choose Harvest 300 and so on. In addition, Yin Hua Preferred Stock, Societe Generale Social Responsibility, Jing Shun Domestic Demand Growth 2, Harvest Theme, BOC China, Huaxia Dividend, etc. are all funds with good performance.

I suggest you open an online banking investment fund yourself.

There are several ways to buy funds:

1 purchased at the bank counter (subscription rate is 1.5%, and higher rate is not recommended).

Just take your ID card and bank card to the bank.

2 I am in online banking (subscription rate is 0.6%- 1.2%) or fund company website (subscription rate is 0.6%) (recommended). First go to the bank to open online banking, and then go home to subscribe or invest in funds.

Open online banking with your ID card and bank card at the bank counter (for the convenience of transfer, you can log in with a U-Shield mobile phone digital certificate or open a mobile phone dynamic password), and then go home to log in on the online banking page and install the mobile phone digital certificate (it may be troublesome for the first-time operator, and the bank has some information to explain on the bank website). Mobile phone dynamic password is more convenient. You can send the password as soon as you log in to the bank.

Log in to the online bank to find the column of buying funds, where you can find the fund subscription or fixed investment you want to buy. If you want to buy a fund company, you can go to the fund company's website to register, and you can also buy and sell funds conveniently after filling in the information.

3. Buy a securities account in a securities company (the rate of buying funds in a securities account is 0.4%, which is more favorable than that in a bank, because there are fewer direct selling funds with preferential rates in securities companies and more banks, and the rate of tradable funds in the secondary market is the lowest but risky, so it is not recommended for new investors to buy). This requires you to bring your ID card and bank card to the securities company to open an account, and it will be convenient to buy and sell funds if you open an account successfully.