The most important feature of the fund is to have a professional fund management team to help you invest. The difference with stocks is that funds can set foot in areas where it is difficult for ordinary retail investors to obtain stable income in bond futures. Ordinary retail investors do not have the professional skills or time to analyze a stock, including the operating conditions and profitability of this listed company. Ordinary retail investors can't read the company's financial statements. Fund companies have fund teams, and each department analyzes different technical indicators and comprehensively considers the rising space and position ratio of a stock. And funds charge commissions just like you buy and sell stocks. Its disadvantage is that it reduces risks and benefits. Generally speaking, funds need to be held for 1-5 years. The benefit is not obvious in a short time.