I know what you mean. Funds are not as risky as stocks. The bank's stock performance will not be bad, nor will it go bankrupt, and the risk is relatively small. However, funds are more funds, and stocks are stocks after all.

First of all, the fund risk is definitely relatively small, depending on your risk tolerance, to decide whether to buy funds or stocks, no matter what stocks.

Secondly, the volatility of bank stocks is not small, so if you want to do it for a long time, you can hold bank stocks, but you should pay attention to the stock market. When you find that the stock has almost gone up, you can basically make a profit. If the market is not good, you can hold it for a long time, but this involves time cost.

So, look at your risk tolerance; Second, look at your time and energy; Third, look at your investment psychology. If you have less risk tolerance and are not very interested in stocks, it is recommended to buy funds; If you have time and energy, you can take certain risks and expect to get higher returns. It is recommended to invest in stocks.