Generally speaking, the debt-based risk is low and the cargo-based risk is low. In terms of income, the debt base is considerable.

The difference between bond funds and monetary funds:

First, compared with the cargo base, the debt-based investment scope is wider. The most important varieties in the bond market, such as central bank bills, are traded in the inter-bank bond market, and ordinary individual investors cannot participate;

Second, by investing in different types and maturity structures, the debt base can create more potential benefits than a single bond, and can also avoid some interest rate and liquidity risks to a certain extent; But the cargo base can't do it.

Third, the money fund's income is only higher than the bank's time deposit interest rate, but there is no interest tax and it can be redeemed at any time. Generally, you can receive the funds the next day after applying for redemption. Therefore, the money fund is very suitable for units and individuals who pursue low risk, high liquidity and stable income.

Advantages of debt base:

1. Low risk, low income

Because the investment object of bond fund-bond income is stable and the risk is low, the risk of bond fund is low, but at the same time, because bond is a fixed-income product, the risk of bond fund is low but the income is low compared with stock fund.

2. Stable income

Investment bonds have regular interest returns and promise to repay the principal and interest at maturity, so the income of bond funds is relatively stable.

3. Pay attention to current income

Bond funds mainly pursue relatively fixed income in the current period, and lack appreciation potential compared with equity funds, so they are more suitable for investors who are unwilling to take too many risks and seek stable income in the current period.

Advantages of the cargo base:

1, with the least risk. Money funds invest in short-term wealth management investment products, and the risk is not big, which determines its low risk.

2. The liquidity is the best. When the monetary fund is redeemed, the funds will generally arrive in the account within T+ 1 or T+2 working days, and the time for the funds to arrive in the account is faster.

3. The total cost is the lowest. Money funds have no subscription fees, subscription fees and redemption fees, only annual fees, so the total cost is the lowest.

4. Income can be reinvested. The income of the money fund can be accumulated continuously, and it will automatically convert the income into investors' fund shares on a fixed date every month.