A fund means that you give money to a fund management company, and then the fund manager of the fund management company invests your money, such as buying stocks and bonds. The risk of funds is greater than bank deposits and less than stocks. The income of the fund is also uncertain, which is mainly determined by the investment level of the fund manager and the market situation. There are hundreds of different styles of funds, depending on your needs.

Peer-to-peer financial management refers to the lending between individuals, and refers to the platform as an intermediary to connect these borrowers and lenders to realize their respective lending needs. The borrower can be an unsecured loan or a secured loan. Investors invest in borrowers through platforms, and intermediaries are generally a new financial management model that collects fees from both parties or unilaterally or earns a certain interest margin for profit.