The normal annualized income of bond funds is around 5-7%. Unless there is a bond bull market like last year, the annual income can reach 8- 10%, but this is not the norm after all. In particular, the regulatory storm of bond funds this year will restrict the yield of bond funds. It is possible that the income of bond funds in the last year or two should be around 5-6% at most, but this is a one-time purchase.

If it is a fixed investment, the income should be at least 1 percentage point. If the fixed investment is held for less than 3 years, there will be a certain percentage of redemption fee, plus the subscription fee at the time of purchase, which may add up to another point of loss. In this way, the income will not be much higher than the fixed deposit. Even if the performance of the fund is not good, it may be better to save it.

Unless you can accept the fixed investment of bond funds, the income will be around 4% or even lower.

Since you claim to have moderate risk tolerance, consider a hybrid fund with moderate risk. In other words, a hybrid fund that does not have heavy stocks is equivalent to taking into account the income of the stock market and the bond market, and stabilizing some stock market risks through medium and long-term fixed investment. For example, the flexible allocation of mixed funds, mixed funds with balanced stocks and bonds, the upper limit of stock holding is about 60%, generally maintained at 30-50%.

I hope it helps. If it can be adopted, I can recommend several more reliable funds as needed.