As an expert in the field of finance and investment, I'm often asked about assets that can generate income. These assets are crucial for individuals and businesses looking to build a passive income stream. Let's delve into some of the most common and effective income-generating assets:

1) Certificates of Deposit (CDs): CDs are time deposits offered by banks with a fixed interest rate. They are considered low-risk investments and can generate a predictable income stream over a set period, ranging from a few months to several years.

2) Fixed Income / Bonds: Bonds are debt securities issued by governments or corporations to raise capital. Investors receive regular interest payments, known as coupon payments, and the principal amount at the end of the bond's term, or maturity date.

3) Physical Real Estate: Owning a property can be a lucrative source of income. This can come from renting out the property or through the appreciation of the property's value over time.

4) Peer-to-Peer Lending (P2P): This involves lending money to individuals or businesses through online platforms that match lenders with borrowers. The return comes from the interest charged on the loans.

5) Dividend Investing: Investing in stocks that pay dividends can provide a steady stream of income. Dividends are payments made by a corporation to its shareholders, usually as a distribution of profits.

6) Private Equity Investing: This involves investing in companies that are not publicly traded on a stock exchange. Returns are generated through the appreciation of the company's value and/or through dividends.

7) Creating Your Own Products: This can include writing a book, developing a software application, or creating a physical product that can be sold for profit.

8) Real Estate Crowdsourcing: This is a modern approach where individuals pool their money together to invest in real estate projects. The income is derived from the returns on these projects.

Furthermore, the return criteria is based off trying to generate $10,000 a year in passive income. Each of these assets has its own set of risks and rewards, and the suitability of each will depend on an individual's financial goals, risk tolerance, and investment horizon.

Now, let's translate the above information into Chinese:

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Furthermore, the return criteria is based off trying to generate $10,000 a year in passive income.1) Certificates of Deposit (CDs) ... 2) Fixed Income / Bonds. ... 3) Physical Real Estate. ... 4) Peer-to-Peer Lending (P2P) ... 5) Dividend Investing. ... 6) Private Equity Investing. ... 7) Creating Your Own Products. ... 8) Real Estate Crowdsourcing.read more >>