Funds are safer than stocks. Funds invest in a basket of stocks, and the funds that invest in stocks are relatively low-risk or relatively controllable stocks selected by professional fund managers after professional risk analysis, which reduces the risk to a certain extent. Funds are products with * * * returns and * * risks. Even if the basket of stocks selected by the fund manager falls and losses occur, all investors in the fund will share the losses. Stock investment requires investors to have certain market experience in the stock exchange market and understand the operation mode and market changes of the stock exchange market. For novice investors, it is difficult to operate. Once investors buy stocks, they need to bear the losses themselves, so the safety factor of funds is relatively high compared with stocks.

What's the difference between fund and financial management?

1. Different charging methods: Generally speaking, funds charge subscription fees and redemption fees, while most wealth management products do not.

2. Different management institutions: funds are issued and managed by fund companies, and wealth management products are mostly issued and managed by banks.

3. Different liquidity: the fund redemption adopts the T+ 1 model, and the liquidity is stronger than the wealth management products with the specified redemption period.

4. Different security: wealth management products are issued by banks and managed, and their security is higher than that of funds.

5. The subscription threshold is different: the subscription threshold of wealth management products is higher than that of funds.