There is no ability to choose stocks, nor the ability to choose the right time to buy stocks. In addition, if you have limited time and no time to pay attention, it is very unsuitable to buy stocks. In addition, the risk of the stock itself is also relatively large. If you still make a lot of stocks, you must be prepared to lose money.

Comparatively speaking, the risk of fund itself is less than that of stock, mainly because the investment of fund consumes less energy than that of stock. If the investment fund is compared to the investment of individual stocks, the investment fund has an extra layer of "protection", so that professional fund managers can identify investment opportunities and reduce investment risks, which is a relatively good choice for "ordinary people" who are busy every day.

However, the choice of funds is also more troublesome. There are more than 4,000 Public Offering of Fund in the market, and there are a bunch of categories: stock type, hybrid type, bond index type, capital preservation type, QDII, LOF and FOF, which are also very huge obstacles for non-professional investors to choose.

In order to help solve this problem, "fund portfolio" came into being. Fund portfolio is a kind of investment strategy style set by managers. By grasping the method of asset allocation, excellent funds are selected for investment, and the portfolio is adjusted and optimized in time according to market fluctuations.

Therefore, ordinary investors prefer funds to invest. It is convenient to buy funds now, and all kinds of apps can be provided, such as mobile banking app, fund company's own app, and fund sales agency's app.

Relatively speaking, there is less investment in buying bonds, and more money funds are buying investment bonds.