First of all, the first and third are debt bases. If you decide to invest for three years, it is still reasonable.

The second and fourth are partial stock funds, and it is recommended that the fixed investment time be no less than 7 years.

I don't know if CCB mentioned these basic principles of experience selection when recommending you.

Therefore, in the case I mentioned above, if your fixed investment plan is indeed higher than 7 years, then this plan is desirable.

There's nothing wrong with it.

However, if your plan is only three years, I don't recommend you to invest in the second and fourth years. It is very risky to invest in partial stock funds in just three years.

If it is a bond type, it is much more reasonable, but even if it is fixed for three years. The above choice is still unreasonable.

For bond funds, the bank recommended Class A for you, but in fact, if you only invest for 3 years, you should choose Class B. ..

Why do I recommend Class A to you? Because the bank wants to earn your subscription fee.

The third fund does not have this problem. .

To sum up:

1. If you only invest for 3 years, then only the third fund is suitable. The other three are not suitable.

In recommending funds, banks do nothing, because it is in their interest.