3. If you have a bank debit card and there is enough money in the card (I heard that ICBC has more than 5,000, Bank of China 1 1,000), you can buy it. If you don't have a card, get an ID card and get one. Tell the staff at the counter that you want to buy a fund and they will arrange it for you.

4. The risk of money fund is almost zero, but the income is not high, about 2-3% a year. If you want high returns, you need to buy high-risk equity funds or hybrid funds.