The same is true in terms of return on investment: funds are larger than bonds and bank deposits.

It depends on how much risk you are willing to take. If the risk is not considered, the biggest gain is definitely equity funds, followed by bond funds, and finally bank time deposits.

When it comes to risk, it is necessary to say what kind of money you use to invest. If it is spare money, it will not be urgently needed in the foreseeable future. Might as well invest in funds. If you don't need to spend your child's education expenses for several years, you can consider investing in bonds; If it is your own pension money, I advise you to keep it in the bank honestly. The fund can make money, but if it loses, it will only cry.

Some people can afford it, some people have wisdom, and these people have the capital to take risks; Some people can't afford it, so it's better not to give it to others.