The A-share yield of most graded funds is floating, which is linked to the interest rate of time deposits, unlike bonds. This means that in the future, when the central bank cuts interest rates, the A-share yield will be lowered accordingly, and of course it will always be higher than the interest rate of time deposits. In addition, the income of some Class A shares is not guaranteed, and the principal may even be lost under special circumstances.

Structured Fund, also known as "structured fund", refers to a fund variety with two levels (or multiple levels) of risk-return performance with a certain differentiated fund share by decomposing the fund income or net assets under a portfolio. Its main feature is to divide the fund products into two or more types of shares and give different income distribution respectively. The sum of the products of the net value of each sub-fund of the graded fund and the share ratio is equal to the net value of the parent fund. For example, the net value of the parent fund split into two types of shares = the net value of class A sub-base X A share%+the net value of class B sub-base X B share%. If the parent fund is not split, it is a general fund.