In fact, the two are just different ways of managing money, each with its own advantages and disadvantages. Of course, we can't simply say which is good and which is not! Fixed investment is a way of fund investment, which belongs to a medium-and long-term investment and financial management method with regular quota. All the benefits and risks are borne by the customer. The fund manager of the fund company helps the customer to take care of it after choosing the corresponding fund type. Usually, the number and types of funds purchased by individuals are one or more! Investment-linked insurance is an investment and wealth management insurance product among insurance products. Its function is to have the dual identity of insurance protection and personal long-term investment and financial management function (similar to the fixed investment of the fund): A: protection is usually the protection of death or total disability (some companies can protect serious illness, which is also an additional function) B: investment and financial management function is mainly customer authorization. Insurance company's specialized investment experts help customers to screen the corresponding high-quality fund types. Because they have collected the funds of many clients, they have the ability to buy many funds. From a professional point of view, they belong to institutional investment. Customers only need to take out a little idle funds, they can enjoy the average stable investment income, and they can enjoy the function of adjusting their personal investment strategy for free every year according to the changes in the investment market! Generally speaking, fixed investment and investment-linked insurance are just different financial management tools, each with its own advantages and not conflicting with each other. Now in such a big environment, diversification of financial management is definitely necessary, and various financial management methods can be used together to give full play to the advantages of various financial management tools! If consumers' own protection is not comprehensive enough or the amount of protection is low, or they don't have much time to take care of it and want to have a sound financial management, or their own investment experience is not rich enough, choosing investment-linked insurance products is definitely the best choice! If the economy permits, these two pieces should be considered separately, and the combination is also a rational collocation and choice, which can reduce investment risks and maximize financial management functions! Therefore, it is easier for everyone to check which type they belong to before considering it, and then choose according to their own needs and characteristics combined with their respective functions!