On the other hand, the fund mainly invests in a basket of stocks. When the stock market is in a bull market, the fund will also become a bull market, and investment funds can get good returns. When the stock market is in a bear market, the fund will also become a bear market, and investors' funds may suffer losses.

It should be noted that money funds and bond funds do not invest in stocks, so their ups and downs are not affected by the stock market, and their returns are determined by the investment targets. There is a seesaw effect between the bond market and the stock market.