Of course, the income is higher than the bank time deposit. Bond funds are relatively stable and less susceptible to market fluctuations. It is normal for you to say that the stock funds that were enough to buy in 2007 lost money, because the United States triggered the financial crisis at that time. Unless you are a frequent fund expert, you will lose money! No one else will say anything.

Now is a prosperous period of national development. I suggest you buy a bond fund. Compared with three-year bank deposits, the income of bond funds is indeed higher than that of bond funds.

Investment is risky. Be careful when entering the market. If you really want to invest in any investment, I hope you can read more materials, study more and pay more attention.

I wish you a successful investment.