The nature of the two is different: the fund-raising behavior set up by the fund for a certain purpose is generally to invest the raised funds in the capital market; Savings is a kind of deposit activity in which investors deposit temporarily unused or surplus monetary income into banks or other financial institutions. High security. At the same time, the threshold, investment scope, risk and expected return of the two are different.

Extended data:

Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

Whether fund units can be increased or redeemed can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

Savings refers to the economic activity that each person or family deposits the money saved in the bank. Urban and rural residents deposit temporarily unused or surplus monetary income into the deposit activities of banks or other financial institutions. Also known as savings deposit. Savings deposits are an important source of funds for credit institutions.

Savings deposits are an important source of funds for credit institutions. To a certain extent, the development of savings business can promote the adjustment of the proportion and structure of the national economy, gather funds for economic construction, stabilize market prices, regulate currency circulation, guide consumption and help people arrange their lives.

Different from China, the general concept of savings in western economics is that savings are the unused part of monetary income. Taking an individual as an investigation unit, the actual savings of an individual (actually referring to the nominal amount divided by the price level, the same below) are expressed by the increase of the actual financial assets and the increase of the physical assets of the individual (actual savings = m1/p1-m0/P0+b65438).