Hello, landlord, stocks and funds are both wealth management products, and they are all risky wealth management products, and the risk of the stock market is higher than that of funds, and the income is higher than that of funds. Funds are also derivatives of the stock market. Take stocks as an example. The domestic stock market is characterized by short bears and short cattle, so it is not difficult to understand how much it has fallen. Besides, everyone hopes that the stocks or funds in their hands will go up rather than down (except securities lending)!