Hello, I am a national financial planner. Funds and treasury bills are not the same concept. Funds are an indirect form of securities investment.

Fund management companies pool investors' funds through the issuance of fund units, which are custodian by the fund custodian (i.e. a qualified bank). The fund manager manages and uses the funds to invest in stocks, bonds and other financial instruments, and then assumes the responsibility

Invest risks and share profits.

Treasury bills refer to a type of government bonds issued by the national fiscal authorities to make up for the imbalance of the treasury's balance of payments.

Which fund you buy has nothing to do with which bank sells it for you. You can also directly subscribe for relevant funds on the fund company's website through online banking, so the handling fee is relatively low.

Not all funds are risk-free. Money market funds have the lowest risk and have slightly higher returns than current funds. Bond funds invest in bonds and short-term bills, with less risk and slightly higher interest rates than deposits.

Mixed funds or stock funds invest in bonds and stocks in a certain proportion, which is risky. You need to grasp the accurate buying and selling opportunities.

Especially when buying stock funds, you must carefully choose the fund company, the fund manager, the fund's operating style and historical profitability, and the timing of the buyer.

There are also risks in fund trading, so you need to be cautious when investing.