On the difference between creditor's rights, equity and fund investment: creditor's rights: the general way to make profits is interest income; equity: the investment nature is risky, dividend income and bid-ask spread income fund: the investment nature is moderately risky, and dividend income and bid-ask spread income fund are investment varieties between creditor's rights and equity. Debt investment generally has a long term, mostly calculated in years. Debt investment has the risk of returning the principal or moral hazard, but its return is stable. There are short-term and medium-and long-term equity investments. Short-term is to buy today and sell tomorrow, while long-term is calculated in months or years. Equity investment is to bear the risk of equity fluctuation, such as the risk of falling and the risk of not paying dividends, because its return is the highest, if you know how to invest or speculate. Fund investment: There are two kinds of funds: open-end funds and closed-end funds, both of which give money to others to help them speculate in stocks or invest in government bonds. The main risk comes from the risk of fund net value fluctuation, that is, if your net value falls after buying, the fund you hold will also fall. Both of them rely on stable dividends every year, and the risk of fluctuation is smaller than that of stocks. Open-end funds have redemption fees, which generally reach 2%. That is, if you buy an open-end fund of 654.38+10,000 yuan, you have to pay 2% more commission than a closed-end fund, which only needs to pay 0.2% of the total commission, while an open-end fund needs to pay about 2.2% (about 2,200 yuan). Therefore, the open type is generally calculated in months, and the closed type can be calculated in days. You can keep asking me questions.