Monetary fund is an open-end fund that collects idle social funds, is operated by fund managers and kept by fund custodians. It specializes in investing in risk-free money market instruments, which is different from other types of open-end funds. It has the characteristics of high security, high liquidity, stable income and "quasi-savings".

The so-called stock fund refers to a fund that invests more than 60% of its assets in stocks.

The above content is copied from Baidu Encyclopedia.

In short, in my own words, a money fund means that you give money to fund companies, and they use your money to buy bonds, treasury bills and other things with basically fixed interest rates. A stock fund is a fund company that uses your money to speculate in stocks.

The difference is that the money fund will not lose money, but it will not lose money, that is, the income is a little less. Basically, the income of one year is similar to the regular income of one year when you deposit your money in the bank, but the money fund can basically call for subscription and redemption at any time (it takes two days for the fund company to confirm it), which is much better than keeping it in the bank for one year. Compared with other kinds of funds, equity funds have risks, but at the same time they also have great benefits. You will make a lot of money when the market is good, and you will lose a lot when the market is bad. You must have a certain risk tolerance, otherwise you will be disappointed.