The annual income of bank wealth management products is relatively stable and the risk is very low. Generally, the agreed rate of return can be basically achieved. But some have not been realized. The risk of a fund is higher than that of a bank's wealth management products, depending on the type of fund you buy. High risk returns are also high, and low risk returns are low. The income of the same type of fund is also very different. If you can choose the right fund type, the income will be much higher than wealth management.