As far as investment is concerned, there are many channels and varieties, and funds and financial insurance are two of them. Insurance and funds belong to financial management, and both companies invest with customers' funds to give customers a certain income. Insurance is long-term financial management, funds are short-and medium-term, and insurance products generally have protection functions, while funds do not. You can take out some insurance, buy some funds, and don't put all your money on one.

1, investment threshold: the fund will make a fixed investment, starting from 100 yuan per month; Financial insurance: from dozens of months every month.

2. Transaction costs: there is a subscription fee for the fixed investment of the fund; Financial insurance: no.

3. Rate of return: The fixed investment of the fund may be very high; Financial insurance: very low, far lower than the deposit interest rate in the same period.

4. Whether to protect the capital: the fixed investment of the fund does not protect the capital, which is risky; Financial management insurance: capital preservation, due principal and income are returned in one lump sum or in installments.

5. Cycle and liquidity: the fund makes a fixed investment, which can be long or short, and can be redeemed at any time after 3 months; The term of financial insurance is very long, usually more than ten years.

6. Value-added services: the fund is fixed and there is no; Property insurance generally has certain protection, such as hospitalization allowance, but claims settlement is a problem.

General comment: As far as pure investment is concerned, it is suggested that the fund should make a fixed investment, and choose 1-2 fund to invest several hundred yuan every month. If you invest for a long time, the return should be good. In the choice of fund, it is suggested that the fund company should be big, because this can ensure that the fund company will not go bankrupt and your investment risk is not high. To put it bluntly, financial insurance means that you don't need deposit interest, so I will give you insurance. This thing is the same as buying insurance. The actuary has calculated the odds and income, and brought the value-added service of additional insurance. General comment: As far as pure investment is concerned, it is suggested that the fund should make a fixed investment, and choose 1-2 fund to invest several hundred yuan every month. If you invest for a long time, the return should be good. In the choice of fund, it is suggested that the fund company should be big, because this can ensure that the fund company will not go bankrupt and your investment risk is not high. To put it bluntly, financial insurance means that you don't need deposit interest, so I will give you insurance. This thing is the same as buying insurance. The actuary has calculated the odds and income, and brought the value-added service of additional insurance.