Bond fund is a kind of investment and wealth management product, but its yield is relatively low. The general annual interest rate is 2% ~ 3%. The advantage is that the risk is low. Basically, it is guaranteed and there will be no loss. If investors want a higher rate of return, they can choose equity funds. The same product has advantages and disadvantages. When the return rate of stock funds is high, it can be 10% ~ 50%, but the risk is also relatively large. The choice of investment mode still depends on investors' requirements for the rate of return and the degree of risk resistance of their own investment. There is no direct relationship between the investment time of the fund and its own rate of return, and so is the bond fund.