Both funds and stocks are a kind of financial management, and both have risks. Some investors will be more entangled when choosing, so is it better to buy a fund of 200,000 yuan or stocks? How to choose? I have prepared relevant contents for your reference.

First of all, we should consider whether we are familiar with stock knowledge, because stocks are risky and stock trading needs to be studied. We need to analyze the fundamentals and technical aspects of stocks, and we need to learn a lot to learn how to read a stock. If you don't know anything, stock trading is easy to lose money.

If you don't know about stocks, the general advice is to buy funds. The risk of funds is not as big as that of stocks, and the risk of funds is relatively small. However, different types of funds will lead to different risks and returns.

Generally speaking, money funds and pure debt funds have the least risk, followed by stock funds, index funds and hybrid funds. If 200,000 people want to manage their finances steadily, 6.5438+0.5 million can consider buying money funds or pure debt funds, and the remaining 50,000 can consider high-risk fund types such as stock funds, index funds and hybrid funds, so that risks and benefits can be taken into account.

If you are an investor who has a better understanding of stock knowledge and likes to study stocks, you can also take 200,000 yuan to stocks, just saying that the risk of stocks is relatively high. If you operate improperly, you are likely to suffer serious losses. This needs to be recognized, so we must be cautious in stock trading.