1, pure debt fund. According to the data of recent years, the probability of making money by holding pure debt funds for more than two years is 100%. The average annualized rate of return of pure debt funds is 4.5%-5%, and the shorter the holding time, the greater the fluctuation of yield.

2. Tier 1 debt base. According to the data of recent 10 years, the probability of making money by holding the primary debt base for more than two years is 100%. The average annualized rate of return on holding primary debt base is 6.5%-7.3%.

3. Secondary debt base, according to the data of recent years 10, the probability of making money by holding secondary debt base for more than two years is only 97.88%, and the probability of making money by holding secondary debt base for more than five years is 100%. The average annualized rate of return on holding secondary debt base is 6.7%-7.9%. The secondary debt base has the highest volatility and is not suitable for short-term holding.