Bond funds with more than 80% assets invested in bonds are bond funds. Bond funds can also put a small amount of money into the stock market. In addition, investing in convertible bonds and issuing new shares are also important channels for bond funds to obtain income, which has certain risks compared with money funds. Money funds invest in risk-free investments, all of which are varieties with high safety factor and stable income, and have the characteristics of "quasi-savings". High returns are inevitably accompanied by high risks, and investment should consider risk tolerance.