There is no such thing as a good fund. Whether you are a bank agent or a direct seller, if you have an investment intention, you should still believe in the specialty of the bank, because compared with the professional team of the bank, you definitely have a certain gap in financial management. Before any fund is launched, the professional team of the bank has fully calculated the expected income and corresponding risks of the products, and of course, the prevention of investment risks is the first. It depends on your own risk tolerance (before you invest, ICBC will give you a personal anti-risk test and give you a suggestion on your investment risk preference). You can compare the introduction of fund products according to your risk preference, mainly depending on the risk level and income). As a fixed investment fund, it is actually a "lazy investment" method. It is more suitable for medium and long-term (3- 10 years) investment, investors can operate without too much financial knowledge, and it is an ideal investment product for ordinary customers with relatively low risks (unless there is a big economic crisis or force majeure in the macro environment). As a financial management, the single-line income is not level, and the medium and long-term holdings outperform the inflation rate (the official will generally control it at around 8% during the year)