Fund returns are higher than time deposits, and risks are also higher than time deposits. The fund is not a capital-guaranteed product, and may lose its principal, which needs to be borne by investors themselves. Time deposit is a capital preservation product, and there is no possibility of principal loss.

Funds are issued by fund companies, and fund assets are invested in money market, bond market and stock market. , this is a product with * * * benefits and * * risks; Time deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance and pay the interest and principal in one lump sum after maturity.