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Who has higher income, stock fund or bond fund?
In general, the expected return of stock funds is higher than that of bond funds, because stock funds are funds that invest in stocks. When the stock market is good, the increase of stock funds is relatively large, and it is possible to double the annual income. When some equity funds have a good increase, the annualized rate of return can reach more than 100%.

That bond fund mainly invests in bonds. It is almost impossible to double the income in one year. The fluctuation of bond funds is relatively small, not as big as that of stock funds. On the premise of a good stock market, the income of equity funds is generally higher than that of bonds.

However, when the stock market is not good, if the stock fund falls, the principal is lost, and the bond fund is profitable, then the bond fund's income is high, so the income of the stock fund is not necessarily higher than that of the bond fund, but also depends on the situation.

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How to choose a novice?

Judging from the investment target of the fund, the stock fund is a fund that invests in stocks, and the fluctuation of the fund is relatively large. If you are a novice and don't choose a good stock fund, when the stock fund market is not good, the stock fund will plummet, and the loss will be serious.

Bond funds are funds that invest in bonds, with less risks and benefits. Fund volatility is not as big as stock funds, which is more suitable for novices. You can consider the experience accumulated by bond funds first.

From the perspective of personal risk-taking ability, if the novice has a strong ability to resist risks, only wants to pursue gains and can bear the possibility of losses, then equity funds can be considered. If you want to pursue stable income and don't want to take greater risks, then it is recommended to give priority to bond funds.

From the perspective of fund market, there are many options for stock funds and bond funds. When buying, you can analyze whether the stock market is better or the bond market is better, and then analyze the fund size, fund manager, past performance, Morningstar rating, etc., choose a better fund, hold it for a long time, and redeem it in time after earning some income.