First, the same fund may be traded in different banks. So the question should be which fund company has high returns. Judging from this year, E Fund and Shangtou are both good. Funds are divided into closed and open types. At present, closed-end funds are only traded on exchanges, and the funds of the banks you mentioned are usually open-ended. There are many kinds of open-end funds, such as stock funds, allocation funds and bond funds. Of course, there are short-term debt funds, cash funds, index funds and so on; I personally divide open-end funds into stock funds and index funds; Bond fund; Short-term debt/cash fund category 4; Equity funds, mostly stocks, may be 90% at most. Of course, some allocation funds are also partial stocks, which fluctuate according to the specific stocks held, including blue chips/value/selection/small capitalization/dividends. . . . . . Buying in the early stage of the stock market bull market will have great benefits; Some equity funds have earned more than 30% in the last month; Index funds simulate different indexes and try to synchronize them. For example, Dow Jones 88/ Xinhua FTSE. . . . . . If you buy such funds according to the index recommendation; If you buy index funds from last year to the summer of 2005, you can basically get 40-50% income; Bond fund, the investment scope is listed and traded government bonds/corporate bonds/convertible bonds. The risk is relatively small, and the income is ok. Some bond funds have earned 6-7% since their establishment this year; Short-term debt/cash fund, investing in ultra-short debt in financial markets, and negotiating preferential interest rates with banks. The income is higher than one-year bank time deposit, and it has the convenience of current demand (2-day redemption) and no subscription fee, so it is the best substitute for bank current demand.