Simply put, speculating in stocks is your own operation, and buying funds is the operation of fund managers. Both of these investment methods have risks. Stocks can be operated in short-term and long-term, while funds are not suitable for short-term because of their high handling fees.

In addition, funds can be bought in banks or securities companies. There is another kind of fund, like stocks, which can be bought and sold on the stock exchange, and stocks can only be bought and sold on the stock exchange.

As for which investment to choose, it depends on your personal risk tolerance. Relatively speaking, the risk of the fund is slightly lower, but if the overall situation is not good, the fund will also fall badly. Therefore, it is still based on the individual's affordability to decide whether to invest in stocks or funds.