This problem is easy to solve. You can apply for a bank card with your ID card and use this card as your daughter's growth fund. Just deposit it in 500 yuan every month. Considering your long-term nature and the problem of value-added, I actually suggest that you can make a fixed investment in the fund. Although the fund may lose money in the short term, it will definitely increase in value in the long run. After all, it is taken care of by professionals. I hope I can help you.