Bonds and funds are relatively low-risk financial products and are the first choice for many investors to invest in financial management. So between bonds and funds, which kind of wealth management products will be more stable? Let's get to know each other.

Which income is more stable, bonds or funds?

Buying bonds or buying funds, which income is more stable, has no definite answer, and needs to be comprehensively considered according to your risk preference, investment objectives, capital situation and other factors.

The concepts of bonds and funds are different. Bond is a kind of securities, which is a creditor's right and debt certificate issued by the debtor to the creditor and promised to pay interest regularly at a certain interest rate and repay the principal at maturity. Fund is a collective investment tool, which is an investment method in which fund managers or fund custodians pool the funds of many investors according to the contract, invest in financial assets such as stocks, bonds and money market instruments, and distribute the income according to the share.

Bonds and funds have different risks and returns. Generally speaking, bonds are less risky than funds, but the returns are relatively low. The income of bonds mainly comes from fixed interest income and the recovery of due principal, while the income of funds depends on the market performance of their investment targets, which may produce higher value-added income or greater losses. Of course, different types of bonds and funds also have different risk-return characteristics, such as the risk of national debt is lower than that of corporate bonds, and the risk of equity funds is higher than that of bond funds.

Bonds and funds invest in different ways. Buying bonds needs to be traded in stock exchanges, banks and other institutions, and buying funds needs to be purchased and redeemed through fund sales organizations or Internet platforms. Buying bonds needs to pay attention to the price, interest rate and credit of bonds, and buying funds needs to pay attention to the net value, performance and expenses of funds.

When investors choose investment and wealth management products, they still need to choose according to their own actual situation.