Futures only have 4 hours trading time every day, with delivery period, high margin and low commission. A fund is to give your money to others for investment. The return is low and it is 1% invested. The trading time is five or six hours, which you can't control. There is no flexibility, and the commission is relatively high. Stocks are easy to be bought. Makers can only use T+1 mode for precious metals, and T+ trading mode based on leverage principle can be used for two-way trading to lock in profits, control risks, and you can set a stop loss if you are short.