Funds are more suitable for ordinary investors. First of all, funds are managed by fund managers, and the professional requirements for investors are not high. Secondly, the fund invests in a basket of stocks, and the risk of stepping on thunder is small. Stock trading is more complicated, easy to step on thunder, and the probability of loss is higher. Stocks are suitable for investors who pursue high returns, and investors can allocate stocks and funds.

The selection of funds can be based on the following three aspects: 1. When choosing an industry, investors can choose funds with great development prospects, high profit-making effect or good industry stability; 2. Choose a fund manager, you can choose a fund that has been in business for a long time or managed by a star fund manager; 3. Timing: The timing of fund entry is very important, mainly considering the market situation (when the market situation is good) and the fund position (when the position is low).