Funds and bonds are two popular investment methods, both of which can bring stable returns to investors. Moreover, the investment risk of funds and bonds is relatively small, which is a good choice for investors with general risk tolerance. So which income is higher, fund investment or bond investment? Let's get to know each other.

Which is more profitable, fund investment or bond investment?

Fund investment and bond investment are common investment methods, and there are certain differences in income. We can't simply say which kind of investment must have higher returns, because their returns are affected by many factors. Funds usually invest in a variety of assets, including stocks and monetary instruments, and their returns are closely related to market changes, and their returns fluctuate greatly. Bond investment is relatively stable, usually based on fixed interest income, and the risk is relatively low. In the period of rising stock market, stock fund investment may get higher income, while in the period of economic recession or rising interest rate, bond investment income is higher and more stable. In addition, some excellent fund managers can get higher than the market average through active management, and the return on bond investment mainly depends on the coupon rate and maturity of bonds.

How to choose?

Investors should pay attention to the following aspects when choosing funds or bonds:

1. Know your investment objectives and risk tolerance. Generally speaking, if you pursue high returns, you can take higher risks, and you can choose stock funds or hybrid funds. If the pursuit of capital preservation and interest protection, low risk appetite, you can choose national debt or policy bank debt.

2, understand the product characteristics and historical performance. When choosing a specific fund, you should carefully read the product manual or prospectus, understand the investment scope, investment strategy, cost structure and other information of the fund, and refer to the changes in the net value of the fund in the past period to choose products that perform well and meet your own needs.

3. Analyze the market environment and future trends. For example, in the period of economic recovery or stock market rise, the allocation of equity funds or hybrid funds can be appropriately increased. In the period of raising interest rates or reducing inflation, the amount of bond investment can be appropriately increased.