中文：

保证收益是指投资者在购买投资产品时，由发行方承诺给予投资者一定比例的固定收益。这种收益通常以年化收益率的形式表示，并且可以在一定的期限内兑现。

保证收益投资产品的特点在于其稳定性和安全性。由于有发行方的承诺，投资者可以获得相对稳定的收益，并且风险较低。这种产品通常不会受到市场波动的影响，因此对于那些希望规避风险或者进行保守投资的投资者来说是一个不错的选择。

保证收益投资产品的种类很多，其中最受欢迎的是债券和存款。债券是由政府或企业发行的，承诺支付一定比例的利息和本金。存款则是将资金存入银行，获得固定的存款利息。此外，还有一些其他的保证收益投资产品，例如保险、货币市场基金等。

总的来说，保证收益是一种相对稳定和安全的投资方式，适合那些希望规避风险或者进行保守投资的投资者。但是需要注意的是，这种投资方式也有其局限性，例如收益较低、流动性较差等，投资者需要根据自己的风险偏好和投资目标进行选择。

英文：

Guaranteed yield refers to the promise made by the issuer to investors when purchasing an investment product, to pay the investors a certain fixed rate of return. This kind of return is usually expressed as an annual yield and can be realized within a certain period of time.

The characteristics of guaranteed yield investment products lie in their stability and safety. Due to the issuer's commitment, investors can obtain relatively stable returns and the risk is low. This kind of product usually won't be affected by market fluctuations, so it is a good choice for investors who want to avoid risks or pursue conservative investment.

There are many kinds of guaranteed yield investment products, the most popular of which are bonds and deposits. Bonds are issued by governments or enterprises, promising to pay a certain proportion of interest and principal. Deposits refer to placing funds in a bank and receiving fixed deposit interest. In addition, there are other guaranteed yield investment products such as insurance and money market funds.

Overall, guaranteed yield is a relatively stable and safe way to invest, suitable for investors who want to avoid risks or pursue conservative investment. However, it should be noted that this kind of investment also has its limitations, such as low returns and poor liquidity. Investors need to choose based on their risk preferences and investment goals.