Bond funds, also known as bond funds, refer to funds that specialize in investing in bonds. By concentrating the funds of many investors, we can make portfolio investment in bonds and seek stable returns. We know that the income of bond funds can be roughly divided into several types: the annual income of capital preservation bond funds is generally slightly higher than the annual interest of banks in the same period, generally around 5%; The average annual yield of pure bond funds is slightly higher than that of 1 year treasury bonds; The average annual income of hybrid bond funds with good performance exceeds 10%. Based on the bank interest rate of 2.79%, it will rise by 50%-200%, probably between 4% and 9%. In addition, the annual management fee of the fund is 1.5%.

Peer-to-peer financial management refers to the company as an intermediary, connecting borrowers and borrowers to meet their respective lending needs. At present, consumer finance mode and supply chain finance mode are the main modes, and the annualized income is about 10%. P2P financial management, with its advantages of low threshold, high income and relatively low risk, occupies an increasing proportion among young investment groups born in 1980s and 1990s. Because of its low operating costs, most P2P financial platforms do not charge investors management fees, and gradually win wide acclaim in the investor market with better services.