The performance benchmark of 4.2% is the expected target performance, and the rate of return is 4.2%/ year, which is used as the actual performance benchmark. An important criterion for investors to evaluate the performance of fund management companies is the performance comparison benchmark, which can also be understood as an important indicator to measure the relative income of product performance. The benchmark of fund performance is to define a suitable benchmark combination for the fund, and the performance of the fund can be measured by comparing the rate of return of the fund and the rate of return of the performance benchmark.

1. Performance benchmark refers to how much income the wealth management product can get after it expires. It is an important index to measure the relative return of product performance, and can be used as a reference value of expected return, but it does not represent the final actual expected return. Performance benchmark is usually used for net worth wealth management products, which can be used as a reference for investment decision-making, but it does not represent the expected return commitment. When investing in wealth management, users must know the wealth management product itself in detail, understand the risk level of the wealth management product, and then decide whether to invest in this wealth management product according to their own risk-taking ability. It is worth noting that investment and financial management must have relevant knowledge, and only in this way can we get good returns.

2. Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds. The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks. According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market. According to different organizational forms, it can be divided into corporate funds and contractual funds. According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund. According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.