Guys, I don't want to work hard anymore. Is there any risk in going all-in on the big four state-owned banks (ICBC, Agricultural Bank, Bank of China, China Construction Bank) to earn interest?

With a 4% dividend yield, can I just lie back and relax?
The four major state-owned banks are “too big to fail,” so I didn’t choose joint-stock banks.
Can a bank ETF or a dividend-focused fund be better than directly buying the four major state-owned banks?

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