Advantages of stock: 1. The fluctuation range of stock is relatively large and the expected return is relatively high; 2. Real-time stock trading with high capital utilization rate; 3. Stocks can subscribe for new shares, and the probability of obtaining income after winning the new shares is relatively high; 4. Shareholders can enjoy dividends. Disadvantages of stock: 1. The probability of loss of principal is relatively large; 2, the transaction risk is relatively large, and it is easy to step on the thunder; 3, need to stare at the disk from time to time; 4. The investment level of investors is relatively high.

Advantages of the fund: 1. The fund itself has the characteristics of risk diversification, and the risk is relatively small; 2. There are many kinds of funds, and most investors can find suitable fund investments; 3. The fund invests in a basket of stocks or bonds, so the risk of stepping on thunder is small; 4. The fund does not require high investment level for investors. Disadvantages of funds: 1. Funds (off-site) are not real-time transactions, and the utilization rate of funds is not high; 2. The fund fee is high.