1. Short-term debt funds mainly invest in short-term bonds, which usually mature in 397 days or less. You can use this fund in a short time. The risk is relatively small, because the investment bond has a short term, the default risk is relatively small, and the impact on interest rate fluctuations is relatively small.

2. Short-term debt funds usually focus on sound investment strategies, focusing on bond returns and capital preservation. The risk of long-term debt is relatively high, because the bonds invested have long maturities, high default risk and are more sensitive to interest rate fluctuations. The term is usually between 3 and 10 years. The characteristics of the fund include benefit sharing, risk taking and professional investment management and asset allocation.