Uncertainty, the fund has no fixed annualized income (except monetary fund), and the fund income is determined by the fund investment target. When the fund investment target rises, the fund gains, and when the fund investment target falls, the fund loses.

Different funds have different investment targets, mainly investing in bonds and stocks, such as stock funds. Investors have a basket of stocks, and the stocks are uncertain, so the fund has no fixed annualized rate of return, only the past annualized rate of return for investors' reference.