The interest rate of national debt is higher than that of banks. The fund is an expert in helping you manage your money.

There are two kinds of funds: open-end funds and closed-end funds. Open-end funds can be purchased directly from the fund company's website (online banking is required) or through various banks. Closed-end funds must open stock accounts and buy like stocks.

There are several types of open-end funds: currency, bond, capital preservation and stock. There is no redemption fee for the money fund, and the income is equivalent to six months to one year's deposits, which can be redeemed at any time without loss. The subscription and redemption costs of bond funds are relatively low, and the income is generally greater than that of money funds, but there is also a risk of loss, and the loss will not be great. Stock funds have the highest subscription and redemption costs, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but when the stock market rises, there will be gains.