The profit of the fund is mainly the trend of the market. After all, no one can make money when the stock falls. In addition, open-end funds have no risk, let alone capital preservation. It is not recommended that you invest all your living expenses. It is difficult to judge the future trend of the stock market at present. It can be seen from the analysis of various fund companies that they are increasingly bearish. I suggest you use half as a money market fund. There is basically no risk and the income is around 2%. The half saved depends on your risk tolerance, and you can choose the fund appropriately. In addition, pay attention to whether the fund is partial to stocks or bonds, and see your risk tolerance.