The capital preservation fund has a lock-up period requirement. Most funds promise to protect their capital for three years, and some even for five years. During the capital preservation period, there may be income fluctuation and principal loss. Therefore, citizens should fully consider this risk when investing. In addition, the handling fee for midway redemption is also high. Generally speaking, the redemption fee in the first year is above 3%, and then it will decrease year by year. So it is not wise to redeem it halfway. Only for the subscription period, the capital preservation fund only guarantees the capital preservation of the products finally held during the subscription period, and the daily subscription does not. For example, a citizen bought a capital preservation fund, and the net value of the fund at that time was 1.2 yuan. If the market is not good afterwards, the net value of the fund will decline. At maturity, the net value of the fund is only 1. 1 yuan, so the citizen can only get 1. 1 yuan instead of 1.2 yuan. Therefore, experts suggest that before investing in capital preservation funds, citizens should clearly see the capital preservation cycle of capital preservation funds, subscribe for new funds and hold them until maturity.