1. Stock is the property right certificate of a listed company. You can buy stocks to make a profit through dividends, or you can buy low and sell high to make a profit.

2. Funds are tools issued by fund companies. After investors buy funds, fund companies use the money to speculate in stocks.

3, the difference:

Because fund companies have a lot of money in their hands, they can issue new shares by buying dozens of stocks. Managers of fund companies are more qualified and have more information than ordinary investors, so the risk of buying funds is smaller than that of stocks, and the income is also smaller than that of stocks.

When retail investors go to buy stocks, they can only buy one or several stocks because of limited funds, and the risk of stock selection is greater. If they choose the wrong stock, they will lose a lot. Of course, if you can choose good stocks, you will earn much more than buying funds.