Funds and stocks are two different products, and there is no conflict between them. Funds are less risky than stocks. The advantages of the fund mainly lie in:

1, risk diversification, the specific characteristics of the fund itself, the risk of stocks is relatively high, and investing in stocks and funds can simultaneously diversify risks;

2. Professional personnel management. Funds are managed by specialized fund managers. Compared with ordinary investors, professional investment has more advantages;

3. There are a variety of investments, and the fund can invest in stocks, bonds, currencies and other assets, which is more flexible.