Any fund that can make a profit will have the risk of losing money. The difference is just a matter of risk and return. It is very common for fund prices to fluctuate up and down. Futures and foreign exchange have high returns but high risks. Currency bond funds have low risks and low profits.

Bank time deposits are almost risk-free. (The risk is bank failure)

Compared with the risk of bank failure, I believe everyone will think that the risk of funds will be relatively high.

So futures stocks are suitable for people who like risky investments.

Funds are suitable for people who are willing to take small risks to gain profits.

Bank time deposits are suitable for lazy people who don’t know how to manage money to obtain profits from idle funds.

Moreover, time deposits can also be withdrawn quickly. This is not possible with funds, and sometimes it takes 3 to 5 days to withdraw. It's dangerous in an emergency.

And it is very common for funds to fall sharply when you are short of money, and to rise sharply when you are no longer short of money.

As a result, many people choose financial management portfolios.

Choose a portion of the funds that you are not afraid of losing to engage in high-risk and high-return projects such as stocks, futures, and foreign exchange; select funds that will not be used for a long time but still hope to make profits; and another portion according to the ratio of 5:3:2 Make 3 regular deposits. (In case you need money urgently, you can save less interest loss) Keep a small amount of money in the card and spend it at any time. This combination reduces a lot of trouble and is suitable for many people.

I suggest you learn this. I learned this from my seniors.