Here, because our domestic banks are strictly controlled and audited by the state, because banks can earn profits by relying on their own loans, and all banks have high safety factors!
For the fixed investment of the fund you mentioned, it depends on what you have invested, because some industries give high returns in order to attract customers, but there are also risks, because there are not necessarily specialized institutions and organizations to supervise, so this depends on your own intentions!
On the safety factor: the highest national debt, the second bank and the third fund!
On income: the highest bank in the fund is the second, and the national debt is the third!