There are still some differences between fixed-income financial management and bond funds. Fixed-income financing is generally biased towards bank certificates of deposit and government bonds. This kind of financial management is characterized by fixed income and low risk, while bond funds are different. There are national debt and convertible bonds, and convertible bonds are more risky.

Therefore, there will be some differences between fixed-income financial management and bond funds in terms of risk degree and income. If investors' risk preference is low, it is best to choose fixed income financial management.