As a fund category with a high safety factor, pure debt funds can't beat inflation. At present, the inflation rate in China is 8%- 10%. At present, there are few wealth management products with both safe and high yield in China.

At present, only the index foundation makes a fixed investment, which is relatively appropriate in terms of risk. After all, the time period has lengthened, the overall index has gone up, and the income has been considerable. Generally speaking, index funds are more suitable for investors who want to outperform inflation.