Funds, stocks and bonds are three very common financial products in the market, and their differences mainly include the following aspects:

1, with different concepts. Fund is a collective investment method, which is funded by many investors and then handed over to professional fund managers for investment. The foundation invests in various assets, such as stocks, bonds and money market instruments. , reduce the risk of fluctuations in a single asset. Stock is a kind of ownership certificate. When investors buy shares, they become shareholders of the company and can enjoy the benefits brought by the company's growth and bear the corresponding risks. Bonds are debt certificates, and investors, as bondholders, will get the interest of bonds as a return and recover the principal when the bonds expire.

2. Risks and benefits are different. The risks and returns of funds are usually related to the types of funds, and different types of funds have different investment targets. For example, money funds are funds that mainly invest in money market instruments, which are relatively stable but have low returns. Stock is a high-risk and high-return investment method. The stock price is influenced by many factors, such as market conditions, changes in industry policies, etc., which requires investment to have certain risk tolerance. Bonds are generally considered as a relatively safe investment choice, and bonds with high credit rating are generally less risky than investing in stocks. For example, national debt is a relatively safe bond variety.

3. The liquidity of funds is different. Some funds, such as open-end funds, are usually more liquid, and investors are more free to purchase and redeem, which is convenient for capital turnover. Stocks such as A shares adopt T+ 1 trading system. Investors can't sell stocks immediately after buying them, and they need to wait until the second trading day to sell them. Compared with open-end funds, the liquidity is slightly weak. Except for some negotiable and listed bonds, bonds are generally less liquid than stocks, and usually need to be held until maturity to recover investment funds.

4. The investment threshold is different. Except for some private equity funds, ordinary funds usually have no high investment threshold, and investors can participate in fund investment by purchasing fund shares. The investment threshold of stocks is related to different markets and sectors, and is usually higher than that of funds. Investors can choose according to their own capital scale and risk preference.