Personally, I don't think it is the best fixed income product. The reason is that the risk of bond funds is relatively low, but it will be affected by the market interest rate, and the income is generally negatively related to the market interest rate. Moreover, if it is used to invest in foreign markets, it will face the risk of exchange rate and will also affect the income of bond funds. Therefore, when buying international bonds, it is often necessary to hedge in the foreign exchange market to avoid the impact of exchange rate fluctuations.