Correct, the fund itself is an investment with reduced risk. Fund managers use fund assets to allocate stock portfolios or bond portfolios. , is a wealth management product with * * * risk and * * income. The risk of the fund is less than that of the stock, but the income is greater than that of the bond.

Don't put eggs in the same basket. When investing, you can allocate debt funds, bonds, fixed income and other products to spread investment risks.