I am doing fund subscription for ICBC. Let me give you the answer: 1. ICBC will deduct money from the second or third day after you buy the fund. The first day of every month does not exist. Not on the non-trading day, but postponed later. Anyway, except for two or three days on non-trading days, the deduction begins. 2. The net value of fund shares calculated by deduction is calculated from the day you deduct. That is to say, if the fund you bought on 1 is deducted on the 4th, your fund share will be calculated from the 4th. 3. harvest fund is one of the four largest fund companies in China, and Harvest 300 is not bad. Schroeder is ok. General funds are not particularly heterogeneous, and all funds are similar.

If you want to buy a capital preservation fund, of course, you'd better buy a money fund. Buying a money fund is equivalent to depositing it in a bank. The risk is small but the interest is low. My suggestion is: buy stock funds or index funds. The stock market has fallen from more than 6,000 points to the present, and the signs of recovery are still obvious. So I suggest you buy an index fund. Of course, you can also share risks and buy hybrid funds. Please consult the fund manager of ICBC for details!