1. The income of stocks is higher than that of funds, and the temptation is greater.

Although the fund market is much more stable than the stock market, it is precisely for this reason that the volatility of funds is relatively small, and there are also some flaws in the differences.

If investors want to earn a certain price difference through funds, it is indeed more difficult than in the stock market.

Stocks are different in that they fluctuate greatly, and fluctuations will produce price differences, which in turn generate returns. This is the more attractive aspect of the stock market.

2. Most investors choose to take their destiny into their own hands.

I believe that for most people, they prefer to control their own destiny, and the threshold for stock trading is not high.

After reaching the age of 18, you can start stock trading after preparing relevant documents and funds to open an account.

All choices and risks are borne by oneself, and making and losing money are in one's own hands without interference.

Funds are managed by fund managers, and the fund manager's profits and losses are not directly related to the fund manager, but to the fund manager's ability, so more people will choose stocks.

3. Fund handling fees are higher than stock handling fees.

The fund charges many items, such as custody fees, redemption fees, subscription fees, management fees, etc.

Under normal circumstances, the fund purchase fee after discount is charged at 1.5%.

Without preferential treatment, fees would be higher.

However, stocks are different.

Shares usually include brokerage commissions, transfer fees and stamp duty.

For example, for brokerage commissions, the minimum fee is 5 yuan. If it is less than 5 yuan, you will still be charged.

How to calculate fund income?

1. Internal deduction method, the calculation method is: Fund income = net value of the unit on the day of redemption * share * (1 - redemption rate) + dividend - investment amount, and share = investment amount * (1 - subscription/subscription rate)

/Subscription/Subscription day net value + interest.

2. External deduction method, the calculation method is: Fund income = net value of the unit on the day of redemption * share * (1 - redemption rate) + dividend - investment amount, and share = investment amount * (1 + subscription/subscription rate)

/Subscription/Subscription day net value + interest.