If you want to get a stable income, I suggest you buy a bond fund, because the average annual yield of a bond fund can reach about 6%, and the probability of loss is very small.

There are actually different choices for investors with different risk preferences. For those investors who want to pursue high returns, it is most appropriate to buy stock funds. For those investors who only want to pursue stability, it is obviously the most reasonable to buy bond funds, and the risks they need to bear are relatively small.

Bond funds can earn about 5% a year. The annual income of bond funds is about 5%-7%, which is actually the best choice for ordinary investors, because when investing in stock funds, the risks you need to bear are far greater than this. For a prudent investor, buying bond funds can guarantee a certain income every year.

The risk of bond funds is actually relatively small. In fact, the risk of bond funds is not great, which is relative to equity funds. If compared with national debt, it is obviously higher. The yield of national debt can only be between 1%-2% every year, but it is highly stable.

Long-term holding is the best choice. I think for any investor who has bought a wealth management product, it is best to hold it for more than one year, because if you hold it for more than one year, you can basically get income. The above is the conclusion drawn from the income of all funds, and more than 80% of funds will not lose money.

You must also do what you can to buy a fund. For people who don't have much savings in life, there is no need to spend all their money on it. You must set aside enough money to spend in your life, and then use the remaining 30% to buy assets.