Different, the fund's money can be terminated at any time and can be withdrawn at any time; However, insurance is not enough. It can be signed for as many years as possible. If you terminate the contract at will, the money you invested before will be greatly lost, and you will not enjoy all the protection at that time. If you are a long-term investor and you really won't use the money during this period, I suggest you choose insurance. If you think the insurance rate of return is too low, you can choose dividend insurance. Because insurance is something that banks don't want to use extra. After all, if you put your money in a bank or fund company, they won't pay several times more.

Of course, if you just want to invest for three years and five years, then choose a fund.

If you are going to invest more than 50 thousand yuan, I don't recommend you to buy a fund. I suggest you choose the wealth management products of major banks, which will make the capital turnover faster, and the income can be similar to that of funds, maybe more or less, but the risk is smaller than that of funds.