英语语法句子结构？

Question

They are very low maintenance. And, most important, they allow diversification, or spreading the risk, with the investor's money.这句话的句子结构

Answer 1

They主语 are谓语 very low maintenance表语.
And, most important状语,the yellow divers 主语if ication,状语从句or spreading the risk状语, with the investor's money.状语，这个句子没有谓语，有误的。

Answer 2

他们的维护率很低。并且更重要的是，他们允许多样化或者传播用投资者的钱传播风险