First of all, there are such funds, all of which are monetary funds, and they promise to protect their capital. Not only China Merchants Bank, but also ICBC, BOC and CCB. You can consult the bank. Remember, it is necessary to protect your capital. It is convenient to open a fund account with a bank card and invest in such funds. I have worked in a bank, and many bank employees at the grass-roots level simply don't understand funds, not belittle them. Many tellers don't even know the most basic financial knowledge (some bank employees can't even calculate interest, haha). Don't trust the fund they choose for you. You must read the instructions yourself. Monetary fund is a fund with low risk and low income. Basically, they can enjoy the convenience of fixed interest rate and current account. When you want to use the money, just go through the redemption procedures a few days in advance.

Well, I hope you can make a fortune.