1. market environment: the market environment is one of the important factors that affect the income of fund products. For example, when the stock market rises as a whole, the income of stock funds tends to rise, and when the market falls, the income of funds tends to fall.

2. Investment ability of the fund manager: The investment ability of the fund manager has a great influence on the fund's income. An experienced fund manager with good investment ability can often choose excellent stocks and bonds to get higher returns.