First, the basic assets of the two are different: the main basic assets of equity funds are equity assets such as stocks, while the basic assets of fixed-income funds are non-equity assets such as bonds and bills.

Second, the relationship is different: investors indirectly hold shares of a listed company through equity funds and actually become shareholders; Fixed income funds reflect the relationship between creditors and debtors.

Third, the risks and returns are different: the potential risks and returns of equity funds are relatively high, while fixed-income funds can provide investors with stable returns, and some funds also have the function of capital preservation.

1. Are fixed-income wealth management products risky?

Fixed-income wealth management products are risky, because they belong to wealth management products, and any wealth management product is risky. Fixed income and fixed income are different. Fixed-income wealth management products mean that investors can get income according to the expected rate of return agreed in advance after purchase, but they don't break even.

Fixed-income wealth management products mean that most of the money investors buy will be used to buy some low-risk products such as bank bonds, but some of the money will still be used to invest in other things. Fixed income wealth management products must not be fixed income wealth management products. Although the risk is low, it is still risky, so if you buy a fixed-income product, you may lose money, but the probability is very small.

Second, what is a stock fund?

Equity funds usually refer to funds that invest in equity assets such as stocks and equity funds to obtain dividends. Common stock funds include stock funds and hybrid funds. Money funds, bond funds and other funds that invest in products with fixed expected returns are not stock funds.

Third, the advantages and disadvantages of equity funds

1. The capital turnover rate is high.

The turnover rate reflects the frequency of fund transactions. The turnover rate of stock funds in China is generally high, and the average turnover rate of stock funds even reaches more than 500%.

The high turnover rate indicates that the fund operates very frequently, and it is necessary to change positions every 2 to 3 months, which may easily lead to instability of the fund. Ordinary individual investors are always used to buying funds at high points and redeeming funds in different places, so the income experience of equity fund investors is not good.

2. The risk is high

Although the general trend of the market is to break the redemption that just woke up, many investors are still used to the traditional fixed expected return products. Equity funds fluctuate greatly, and the risk level is mostly medium to high. In addition, Public Offering of Fund's professional ability is still insufficient, so not many investors buy equity funds.

3. Guide the concept of value investment

The development of equity funds will force fund companies to continuously improve their active management ability, and also make investors pay more attention to the role of long-term investment and value investment.