it is difficult to earn 1% of the debt-based annual income, and no one can guarantee this. Even if the income exceeds 1%, it is only a few years, and it is unlikely to do so every year. It is highly probable that it will fall by 5% in a bad year.

so you say 1% can't reach it.

The recommended ICBC Tianyi and E Fund are sound.

Credit bonds are bonds with higher interest and less credit, such as corporate bonds.

Convertible bonds are a special kind of bonds, and they have a strong stock nature, because they can be directly converted into shares of the company under certain circumstances. Convertible bonds are very complicated, which can be detailed in Baidu. Let's just talk about his style here. This kind of debt-based risk is moderate and does not belong to low-risk debt-based. It can basically reach the risk level of hybrid funds with low shareholding.