The risk of bond funds is higher than that of money funds, but lower than other funds, and the handling fee is generally around 0.6%, because all funds except money funds do not need handling fees and are risky. Therefore, in addition to the cargo base, other funds can only be cost-effective in the long run. The annual yield is 4%-7%, which is higher than the deposit interest rate, but if there is risk, buy the goods base one month later. This year's cargo-based income is ok, and there is no risk.