1.p2p generally makes commercial and personal loans. If you have a fund license, you can sell it on a commission basis, which is really strong. Now the supervision is strict, and a fund takes more than 20 million photos. So first of all, you have to judge whether the products in p2p are the funds you want, which may be just a simple loan. Many people think that buying a fund is tall and boasting about the fund they bought.

2. There are many kinds of funds, such as money funds, mixed funds, bond funds and stock funds. There are also hedge funds, private equity funds, mezzanine funds and so on. In the current economic environment, except for money funds that invest in money market instruments such as bank deposits and bonds, other funds are not stable. You can't estimate how much you have earned. Bond funds are a little more stable, losing less and earning less. Equity funds play a basket of stocks, keep some cash and invest in some bonds. So don't think that buying a fund will definitely make money. Most funds have negative returns this year. Even if the annualized income you see is more than 10%, it is the performance of the past year. When the net value fluctuates, you will have a profit and loss.