1. Risk: The risk of stocks is greater than that of funds, so investors should choose appropriate products according to their risk tolerance.

2. Return: The expected return of the stock is greater than that of the fund. Investors who pursue maximum returns can choose stocks, and investors who pursue maximum security can choose funds.

3. Select the investment target. Stocks can choose relatively stable white horses and blue chips, and funds can choose hot industries or funds managed by star fund managers.