Which gains are higher, funds or bonds?
Funds usually have higher returns than bonds, but the risks are also higher than bonds. Most bonds will not lose money, but the funds will not break even. The expected return of stock funds is higher than that of bond funds, and the expected return of bond funds is higher than that of money funds. Bonds and funds are completely different concepts, and they cannot be directly compared in terms of income.
The risks and benefits of funds and bonds are different, and the benefits of bonds are generally determined in advance, so their investment risks are relatively small. The investment risk of securities investment funds is higher than that of bonds, and the income is also higher than that of bonds. The risk and return of securities investment funds are higher than bonds, but less than stocks.
The main differences between funds and bonds are:
1 Different in nature, the fund reflects the trust relationship and is a kind of income certificate; Bonds reflect the relationship between creditor's rights and debts, which is a kind of creditor's rights certificate.
2 The raised funds are invested in different ways. Funds are indirect investment tools, mainly investing in securities such as stocks and bonds; Bonds are direct investment tools, mainly investing in industrial fields.
3 Investment income and risk are different. The risk of the fund is relatively moderate and the income is relatively stable; The price fluctuation of bonds is smaller than that of stocks, and the risks and returns are lower.
4 Different sources of income. Funds mainly include interest income, dividend income and capital gains; Bonds are mainly interest income and capital gains.
If you plan to buy wealth management products, novices suggest buying bonds and money funds first, because these wealth management products are relatively low in risk, and after the new asset management regulations, any wealth management products will not be guaranteed.