There is a difference between the annualized interest rate of 7% of the fund and the fixed interest rate of 3.5% of the bank, which is twice as high as the fixed interest rate of the bank. What a difference.

However, the fund's rate of return is only the expected rate of return, which does not guarantee this income, which is also different from the bank interest rate.

According to the interest rate you mentioned, the half-year yield of bank deposits is 1.75%, and the half-year yield of funds is 3.5%. Of course there is a difference.