A fund is actually the money you invest in others. Funds, the income is lower. Now the market competition is increasingly fierce, so the risk is also great. Such as market risk, credit risk, purchasing power risk, interest rate risk, exchange rate risk and so on. . . For precious metals, it depends on what you need to do. Gold, silver or ordinary non-ferrous metals. These risks are greater than those of funds, but the benefits are also great. The return on investment is directly proportional to the risk.