This question is really difficult to answer, mainly depending on the individual's risk tolerance. Because there are many kinds of migrant workers, some earn five or six thousand yuan a month, some earn more than ten thousand yuan a month, and some earn twenty or thirty thousand yuan a month, so different migrant workers have different incomes and can choose different investment products and resources. Of course, people with higher incomes do not mean that they have stronger risk tolerance, nor do they mean that people with lower incomes have lower risk tolerance. Choosing to invest in stocks or funds depends on the individual's risk tolerance, rather than generalizing whether it is suitable for stocks or funds.

For a simple example, it can bear 30%~50% of the capital loss, so that such people can choose the fund. Because in the fund industry, generally speaking, even if the annual loss rate is between 30% and 50%, few foundations lose more than 50% for more than one year. Naturally, for those who are not particularly strong in risk tolerance, they can choose investment projects such as funds to invest. Because fund investment belongs to professionals to manage and operate, they pay more attention to the performance and reputation of fund companies than investors, since they will not let the funds they manage face large-scale losses and withdrawal.

If you can bear more than 50% to 80% of the losses, you can choose stocks. The stronger the risk tolerance, the higher the risk and the higher the income. A stock has a daily limit of 10% and a daily limit of 10%. If a person can bear more than 80% losses, then he can choose stocks, because stocks are high-risk and high-yield products.

Whether migrant workers or bosses, stock investment has certain risks, and there are many factors that affect the rise and fall of stocks. So as a migrant worker, you must have a certain understanding of stocks and funds, and remember not to invest blindly. After all, investment is risky and you need to be cautious when entering the market.