Except that money funds and bond funds can predict the expected rate of return, the performance of other funds is very different, and it is difficult to give a standard answer because of the differences in investment time, investment environment, investment scope and investment concept. Only when the risks are controllable can the benefits be guaranteed. Now the economy is unstable, the risks are difficult to control, and the benefits are even more difficult to determine. Money funds are generally higher than one-year time deposits, with annual income of 3.5-5% and bond funds of 6-9%, which is only applicable to this year's market. It is not surprising that stock funds lose 30%, and their profits are normal and difficult to compare.