1, the focus of insurance is protection, giving consideration to income, once the insured is out of danger, insurance is to pay; The fund is responsible for its own profits and losses, and its income is higher than that of insurance, but it is not guaranteed.

2. The fund must first choose which fund has good performance. The bank is only an agent, and whoever buys it is the same, but the handling fee is slightly different. Generally, online banking is cheaper than the counter purchase fee. You can consult the bank for specific steps.

3. After the insurance guarantee is perfect, spare money will be invested in the fund.