Fund: the income is unstable. Dividends alone may not be as good as bank time deposits in the same period. Sometimes you make money, sometimes you lose money. Take this year as an example, the income can exceed 50%, but it will be negative 50% in 2008.

National debt: equivalent to long-term interest income, at most 1-2%.

Stock: This is even more confusing. Double it when it's good, and stop talking when it's bad. If we only talk about long-term dividends, the income will be about 0.5-2% (not counting stock dividends, which is also very good), so we can't beat the bank with this cost. According to the rule of 1 win, 2 draws and 7 losses. It's a high-risk investment. You can only play the stock price if you want to play.