Yu 'ebao should be based on money, with less risk, low relative income but relatively stable, and most importantly, low starting point, which is suitable for many people.

funds are generally stock funds, which is equivalent to stock group purchase, but funds can't be short positions, which is relatively risky and has a high starting point.

generally speaking, the life of insurance financing is long, and there are some word games in the contract, and it is the expected income, which fluctuates greatly. There are several types of insurance before 29, which is more suitable. If someone buys it, they will earn it.

all the above are personal opinions.

if you can provide the amount of funds and risk tolerance, it can help you refer to the financial plan.