Fixed investment in funds and fixed investment in stocks are two different concepts. It can't be absolutely said that it is better to invest in funds or stocks, which is more complicated to explain. But for the vast majority of people, I still suggest that the fund invest in stocks, because if you choose to invest in stocks, although the idea is beautiful, stocks need to have the ability to choose stocks, the ability to watch time, and some trading abilities, which require long-term training, and we ordinary people do not have these abilities.

First, the fixed investment of the fund is relatively simple. It is easier to invest in funds, because the fund manager is in control, so the risk can be minimized. So I suggest that people who don't know much about this industry should choose investment funds. If they are particularly familiar with the market, they can also choose to invest in stocks if they want high returns. But we must know that any investment has certain risks, so we must pay attention to the distribution of risks when investing.

Second, the fund's income is lower than that of stocks. The risk of funds is lower than that of stocks, so the return is also low. People have different personalities. Some people can take better risks and enjoy higher returns. Some people prefer to get some returns on the basis of capital preservation. Look at everyone's feelings and what kind of investment you like, and you can choose which product to invest in.

Third, we should use spare money to invest. In addition, I would like to remind you that you must use your spare money to invest, and take out the extra money to invest on the premise of ensuring your basic life. If you invest your living expenses, you may fall into a bear market, and there is no way to withdraw them in the short term, which may affect your life. Therefore, when we invest, we must use our spare money to invest, even if we are quilted, it will not affect our lives.