No, the fund is not a capital preservation product and may lose money. However, the risk of the fund varies according to the investment target. The risk of money fund is relatively small, and there is almost no loss, but the income of money fund is relatively low, and the risk of bond fund is relatively small, because the fund mainly invests in a basket of bonds, and the risk of bonds is relatively small, which makes the risk of the fund relatively small.

If investors' risk tolerance is relatively low, they can choose money funds, bond funds and FOF funds for fixed investment. If investors have high risk tolerance, they can choose hybrid funds, stock funds and index funds to make fixed investment.