Which of the two funds has higher returns, we can analyze it from the investment varieties of the funds: 1. Bond funds are called bond funds, which mainly invest in fixed-income financial instruments such as treasury bonds and financial bonds, and are also called "fixed-income funds" because the income of the products they invest is relatively stable. According to the proportion of investment in stocks, bond funds can be divided into pure bond funds and partial debt funds. The difference between the two is that pure debt funds do not invest in stocks, while partial debt funds can invest in a small number of stocks. The advantage of the partial debt fund is that it can flexibly allocate assets according to the trend of the stock market and share the opportunities brought by the stock market while controlling risks. Generally speaking, bond funds do not charge subscription or subscription fees, and the redemption rate is also low. 2. Monetary funds only invest in the money market, such as short-term national debt, repurchase, central bank bills, bank deposits, etc. And there is basically no risk. Its liquidity is second only to bank demand deposits, and its income is calculated every day. Generally, the one-month income is carried forward to the fund share, and the income is slightly higher than the one-year time deposit, and the interest is tax-free. The principal of money fund is relatively safe, which is suitable for investment tools with strong liquidity and is also a substitute for savings. From this analysis, generally speaking, the income of bond funds is better than that of money funds.