From the perspective of investment, all three products can be purchased to spread risks, and each product has its own advantages. Insurance can mainly buy some protective products to avoid using other assets in case of major accidents or diseases, but it is not a means of value-added investment. Funds and national debt can be used as a means of value-added investment. Treasury bonds are more difficult to buy, generally have a fixed term, and the time is longer, but the income is higher! Funds are relatively flexible, including closed-end funds and open-end funds.