Depend on your specific needs 1. The main function of insurance is protection, and it also has certain investment properties, but it is mainly for protection; its disadvantage is that it has poor liquidity and requires money that will not be used for many years. If you want to redeem it early, you will have to pay a large amount.

Fees, generally speaking, it is basically impossible to get back the principal if redeemed within 2 years; 2. The fund is mainly an investment, and can be redeemed at any time according to the net value, and the net value is announced daily, with high transparency. If you only consider investment, buy it

fund.