The expected return of stocks is higher than that of funds, so in terms of product characteristics, holding stocks for a long time will be higher than the fixed investment of funds. However, stocks and funds are both floating income products, and the price fluctuation is uncertain, which may not necessarily lead to gains, and the stock return is not necessarily higher than that of funds, because the risk of funds is less than that of stocks, and if extreme market occurs, the losses of funds are also less than that of stocks.

Both funds and stocks earn bid-ask spreads. Only by buying at a low price and selling at a high price can they make profits. Long-term stocks basically do not operate after buying stocks (positions can be increased or decreased according to the profit and loss situation), while the fund fixed investment system will automatically buy funds according to the set conditions, and basically do not need to operate after setting fixed investment. The fixed investment of funds is the average income and cost, while long-term stocks and fixed investment of funds are value investments, which are more suitable for stable investors.