If you just need to protect the capital and don't pay much attention to the income, you generally choose bond funds and money funds, with an average annual income of 5-6%, which is slightly higher than the bank deposit interest rate, and you can basically protect the capital.
If we pay attention to income, choose equity funds and hybrid funds instead of capital preservation, the income will fluctuate greatly with the fluctuation of the stock market, and the annual income will be high if we do well, and there will be many people who lose money in bad years.
First, determine your income demand and risk tolerance, and then pay attention to the corresponding products of some well-known fund management companies, such as Huaxia, Jiashi, Nanfang, Bosera, Bank of Communications Schroeder, ICBC UBS, Galaxy and so on.
It can also be selected through the evaluation of authoritative fund rating agencies such as Morningstar and Galaxy.